Teachers Retirement Services

EDUCATORS & TEACHERS RETIREMENT SERVICES

Schamerhorn Financial Group (SFG) has been providing comprehensive Retirement Services for school district employees working in Texas Public School Districts, Colleges and Universities for over 20 years.

Schamerhorn Financial Group (SFG) believes in "Educating Educators" and honoring our commitments to the education market by servicing the retirement needs of all Educators, Teachers, Coaches, Principals, College  Professors, Administrators and District Employees.

 

Attention! Attention!  Attention!

All Educators, Teachers, Coaches, Principals & District Employees

  • Federal legislative changes to the 403b market forces public school districts to implement a "Plan Document" for 403b participants.
  • Numerous 403b "Product Sponsors" are exiting the 403b market.  
  • These changes reduced the number of approved 403b product sponsors which means reduced number of 403b product selections 
  • A select few of 403b specialists remain in the 403b market and Schamerhorn Financial Group remains committed to servicing 403b plans. 
  • Legislative changes take affect January 2009

Schamerhorn Financial Group will coordinate educational seminars and lunch & learns for district, college and university employees to stay on top of recent changes, offer help and provide answers regarding the 403b market.

 

Questions?  Questions?  Questions?

  • Should I supplement my Teachers Retirement (TRS)?
  • How do recent legislative changes affect my 403b?
  • Would you like district, college and university employees to stay informed about 403b legislative changes? 

Call Schamerhorn Financial Group at (281) 486-9700 to schedule educational seminars and begin to understand the 403b changes.

 

TEACHERS RETIREMENT SYSTEM OF TEXAS (TRS)

Schamerhorn Financial Group Financial Advisors have a great understanding of the retirement needs facing many Educators, Teachers, Professors, Coaches, Professors and Administrators.  TRS Retirement Income Benefit may provide Educators with approximately 46% of their current income during their Retirement.

Can you afford the same quality of life on reduced income benefits during retirement? (Ask about the TRS Retirement Shortage)

3 Leg Retirement Foot Stool? (Ask about the 3 Legged Retirement)

  1. Teachers Retirement (TRS) or Optional Retirement Plan (ORP) 
  2. 403b
  3. 457

 

What's in Your 403b?   What's in Your 457?

Adding a 403b and/or 457 to your retirement portfolio can have a huge impact on retirement income and help to maintain the quality of life you expect during retirement.  A 403b or TSA (tax-sheltered account) is a qualified salary reduction retirement vehicle offered to Educators, Teachers, Coaches, Administrators and District employees.

How does a 403b or 457 work?

  • Pre-tax contributions through automatic payroll deductions make saving easy.
  • Tax-deferred growth means your contributions and growth on those contributions are not taxed until withdrawal.
  • Diversifying investments is essential for long-term investing and may provide a great way to achieve that goal.

District 457 Distribution Request Form (click link)

 

 ORP (Optional Retirement Plan)

An alternative plan to TRS (Teachers Retirement System of Texas) is ORP or Optional Retirement Plan. Here are 4 Reasons to consider ORP: 

  1. Retirement Savings through simple salary reduction contributions.
  2. Tax Advantages allow you to reduce taxable income
  3. Access to Market growth potential
  4. Manage risk by diversifying the investment and take a long-term approach.

 Who Qualifies for 403b, 457, ORP?

Educators, Teachers, Coaches, Administrators, Faculty Members, Directors, Deans, Heads of Academic Departments, Librarians, District Employees, College Instructors, Professors and College Employees.

The LEAD Approach™ is applied to all Retirement Planning services for the Education market to ensure Educators, Teachers, Coaches and Administrators receive quality financial services, securities analysis, asset allocation, portfolio design and portfolio management.

Call Schamerhorn Financial Group at (281) 486-9700 to schedule educational seminars and begin to understand the 403b changes.

 

 

Why Schamerhorn Financial Advisors?

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**Securities and advisory services offered through Royal Alliance Associates, Inc., Member FINRA & SIPC.  ***Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.  With any investment vehicle, past performance is not a guarantee of future results.