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What is a 403(b) retirement plan?

A 403(b) is a retirement plan designed specifically for teachers, faculty, and nonprofit employees. It allows you to contribute a portion of your paycheck toward retirement on a tax-deferred or Roth basis, helping you build long-term savings directly from payroll.

But while the concept is simple, the way a 403(b) actually works — and how effective it is — depends on the choices you make along the way.

TALK WITH AN ADVISOR

  • For many educators, a 403(b) is a foundational part of retirement planning — but it shouldn’t exist in isolation.

    The right strategy depends on:

    • Your years of service

    • Pension benefits (if applicable)

    • Other retirement accounts

    • Tax considerations

    • Long-term income goals

    That’s where a personalized conversation matters.

  • This is where your money is invested and where fees, fund options, and long-term growth are determined.

  • You choose how much to contribute, and the money is deducted automatically through payroll. This amount can be changed anytime by you or your advisor.

  • The TPA approves and processes your salary reduction, ensuring everything follows IRS and district rules.