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Retirement Education Homeroom

Nationwide 46% of a teacher’s retirement income will come from personal savings, such as a 403(b).

How much will teachers in the United States need for retirement?

Are you prepared?

Source: Income of the Aged Chartbook, Social Security Pub. No. 13-11727, released April 2016.
What’s Your Income Gap?

What could your retirement income gap look like?

Select a profile to discover how much of an income gap is expected for teachers like you.

select a profile

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Lauren – Age 45

Current Salary

Years Left to Work

Salary at Retirement

20 years
Brad – Age 25

Current Salary

Years Left to Work

Salary at Retirement

35 years
Renee – Age 60

Current Salary

Years Left to Work

Salary at Retirement

0 years
Goal: Maintain current lifestyle in retirement


All of these scenarios use hypothetical salaries and wage increases based upon national and state average teacher salaries. Public school employee wages are dependent upon position and geographical location. State pension payments are hypothetical based upon aggregate state pension payments made at retirement age and years of service. Actual state pension benefits are dependent on state of employment, age at retirement, and length of service within the system.

Average teacher salaries compiled from The U.S. Education Department’s National Center for Education Statistics, 2016–17 and National Education Association, Rankings of the States 2016 and Estimates of School Statistics 2017.

See how a 403(b) can help you bridge the gap:

A retirement savings plan, like a 403(b) plan offered through your school system, allows you to contribute pre-tax dollars (reducing your taxable income) and grow your savings on a tax-deferred basis. Simply follow the steps below to learn more.


The 2018 LifeChangers

Meet the individuals who inspire us by going above and beyond for their students.



Take note of your income gap, teachers

Most financial advisors say you’ll need at least 70% of your pre-retirement income to maintain your current lifestyle in retirement. Though many teachers plan to rely on their state-funded pensions, most of that income will actually need to come from personal savings, which is why it’s important to know how much you’ll need to cover—and where a 403(b) can help.


Let’s create your retirement lesson plan

Start planning your secure financial future today. Simply complete the form and one of our retirement specialists will contact you to walk you through simple next steps.



LifeChanger of the year

This innovative program sponsored by National Life Group recognizes and rewards K-12 educators across the country who are making a difference in the lives of students. Learn more or nominate a LifeChanger yourself.