I'm  Michael Goodin, owner and primary advisor of 403bpro. I've been helping educators and other state employees RETIRE BETTER since 2012. We have a thorough knowledge of state pension systems and give our clients an accurate forecast of what to expect from their pension when they retire and how to close the RETIREMENT INCOME GAP. I encourage every STRS or PERS contributing employee to watch each of the short videos below which will better prepare you for a comfortable retirement and ensure you maximize your retirement savings and enjoy retirement
income you can not outlive as studies show that the happiest retirees are, indeed, those who have
guaranteed income for life.

https://www.kiplinger.com/retirement/annuities/601986/retirees-with-a-guaranteed-income-are-happier-live-longer

The average payout of a state pension is only 55% of one's final salary- that's a 45% pay cut on the first day of retirement which is why it is so important to have supplemental savings to maintain one's lifestyle in retirement. Watch this short video for more on the RETIREMENT INCOME GAP, how to close it and how STRS/PERS pensions are calculated:















-ARE YOU AWARE OF THE 3 PRIMARY TYPES OF 403B ACCOUNTS AVAILABLE AND THE RISKS AND REWARDS ASSOCIATED WITH EACH?

It's VITALLY important to know to which type of 403b account you are entrusting your retirement dollars and the risks, rewards and FEES associated with it. Did your advisor even TELL you about the different 403b account types? Did they disclose the risks associated with the one they arbitrarily signed you up for? How a bout the FEES they extract from your retirement savings? Will it lose value if stock markets tank like they did in 1987, 2002, 2008, and 2022? The video below is EXTREMELY IMPORTANT and details the different 403b accounts availale, the risks/rewards and fees associated with each and discusses the power of the indexed approach to retirement savings: did your ad












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CONTACT 403B PRO FOR A FREE EVALUATION OF THE RISKS AND REWARDS OF YOUR 403B ACCOUNT.

Don't have a 403b? We can start you today. Have a variable 403b that loses money every time the stock market declines and charges yearly fees on every dollar you save? We can help get you out of that and stabilize your retirement savings so you can count on it being there for you when you need it.


The foundation of what 403b-pro does for our clients is #1 DON'T LOSE MONEY from your retirement savings accounts! For more on that and additional RETIREMENT PLANNING BASICS watch the following video:














Additionally, it's VERY IMPORTANT to know what to do when at specific ages and stages of your career and the cost of waiting to save for retirement. Did you know that you can get a 6%-8% bonus on your existing 403b savings? That means MORE money to grow and/or spend in retirement! Learn all about that and how to MAXIMIZE existing 403b savings which is covered in the following video:






























Are you a superintendant, principal, union representative or other administrator? 403bpro has been invited into many schools and districts to educate the educators on the state pensions system and how to effectively plan for retirement. We're glad to offer this presentation in person or via ZOOM to you and your staff.
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CALL, EMAIL OR JUST CLICK THE "CONTACT US" BUTTON TODAY TO GET AN INDEPENDENT EVALUATION OF YOUR RETIREMENT ACCOUNTS. WE TREAT ALL WITH KINDNESS AND RESPECT.

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