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Brett Moore’s Reliable Pension Support for School Staff

Brett Moore's Reliable Pension Support for School Staff
Photo Courtesy: Brett Moore

Retirement planning for school district employees is not a one-size-fits-all approach. Whether you are a principal, a superintendent, or part of the administrative staff, understanding your pension and supplemental retirement options is critical to ensuring your future financial security. Brett Moore offers personalized retirement solutions that go beyond the basics, addressing the unique needs of school district employees.

Understanding the Role of CalSTRS and CalPERS

Most school district employees in California fall under either the CalSTRS (California State Teachers’ Retirement System) or CalPERS (California Public Employees’ Retirement System) pensions. While these pensions provide a guaranteed income after retirement, many employees are unaware of how these systems work or how much they will actually receive when they retire. Brett Moore breaks down the complexities of these systems, offering employees a clearer picture of their expected pension payouts.

For example, a school principal might have different pension benefits compared to a classroom teacher due to factors like years of service, final salary, and the retirement age. Brett works with each employee to ensure they fully understand these variables and how they affect their retirement.

Supplemental Retirement Options: Why They Matter

While CalSTRS and CalPERS provide a solid foundation, many employees find that their pension alone may not cover all of their post-retirement expenses. This is where supplemental retirement accounts like the 403(b) plan come into play. Brett Moore’s expertise lies in helping employees identify and maximize these additional savings options.

One common issue employees face is the overwhelming number of choices when it comes to selecting a 403(b) vendor. Many school districts provide a list of approved vendors but offer little to no guidance on which plan is best suited to the employee’s specific needs. Brett bridges this gap by offering a personalized review of the available options, ensuring that employees select a plan that aligns with their financial goals and risk tolerance.

How Brett’s Solutions Are Tailored to School District Employees

School district employees often face unique challenges in planning for retirement. For example, unlike teachers who may stay within the same district for their entire career, administrative staff often move between districts or even out of state. This can complicate pension contributions and create confusion about retirement benefits.

Brett Moore takes these complexities into account, offering solutions that address these specific challenges. By thoroughly reviewing each employee’s pension situation and their retirement goals, he crafts a customized retirement strategy that includes the following:

  • Comprehensive Pension Analysis: Breaking down the pension system in simple terms, showing what retirement income will look like based on years of service, retirement age, and salary history.
  • 403(b) Optimization: Ensuring employees select the premier supplemental account that complements their pension and meets their long-term goals.
  • No-Loss Options: Brett’s strategies focus on helping protect retirement savings from market fluctuations, aiming to safeguard employees’ hard-earned money during economic downturns.

The Benefits of Working with Brett Moore

What sets Brett apart is his dedication to providing straightforward retirement solutions tailored to school district employees. He takes the time to understand each client’s unique circumstances, creating a personalized roadmap to help guide them toward financial security throughout their retirement years.

Brett’s approach is built on three key pillars:

  1. Education: Ensuring that every employee fully understands their pension and supplemental retirement options.
  2. Personalization: Crafting a retirement plan that is tailored to each employee’s unique needs and goals.
  3. Security: Offering strategies designed to help protect savings from market volatility, aiming to provide greater peace of mind.

Secure Your Future with Brett Moore’s Proven Retirement Solutions

Whether you’re a teacher, administrator, or part of the support staff, planning for retirement is crucial. Brett Moore provides school district employees with guidance to help them work toward a secure financial future. Through a personalized approach, Brett helps employees better understand their pension and make the most of their supplemental retirement accounts to support long-term financial stability.

If you’re ready to take control of your retirement, reach out to Brett Moore today for a comprehensive review of your pension and retirement options.

Disclaimer: This content is for informational purposes only and is not intended as financial advice, nor does it replace professional financial advice, investment advice, or any other type of advice. You should seek the advice of a qualified financial advisor or other professional before making any financial decisions.

Published by: Holy Minoza

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