Teach and Retire

08/01/2023

The Co-Pilot says it all. I know who the boss is!

01/08/2023

"The pilot was standing around as I got out of my wheelchair to board my flight to Portland. He followed me and the flight attendant who volunteered to carry my bag. I fling myself into my seat. He quickly asked, "were you in the military." I replied "yes."
He said, "Afghanistan 2010?" Again, although surprised this time, I said slowly "yessss."
He then told me that he recognized me, my injuries, and my face. He told me he never knew if I survived or not.
Marc Vincequere is his name. He flys w United now. Crazy small world. He was the pilot that flew me out of Afghanistan."

Credit: Todd Love

12/31/2020

https://www.facebook.com/goalcast/videos/169262584910791/

04/14/2020

WHAT IF...

If they cancel the rest of the school year, students would miss 2.5 months of education. Many people are concerned about students falling behind because of this. Yes, they may fall behind when it comes to classroom education...

BUT what if...

❤️ What if instead of falling “behind", this group of kids are ADVANCED because of this? Hear me out...

❤️ What if they have more empathy, they enjoy family connection, they can be more creative and entertain themselves, they love to read, they love to express themselves in writing.

❤️What if they enjoy the simple things, like their own backyard and sitting near a window in the quiet.

❤️ What if they notice the birds and the dates the different flowers emerge, and the calming renewal of a gentle rain shower?

❤️ What if this generation are the ones to learn to cook, organize their space, do their laundry, and keep a well run home?

❤️ What if they learn to stretch a dollar and to live with less?

❤️ What if they learn to plan shopping trips and meals at home.

❤️ What if they learn the value of eating together as a family and finding the good to share in the small delights of the everyday?

❤️ What if they are the ones to place great value on our teachers and educational professionals, librarians, public servants and the previously invisible essential support workers like truck drivers, grocers, cashiers, custodians, logistics, and health care workers and their supporting staff, just to name a few of the millions taking care of us right now while we are sheltered in place?

❤️ What if among these children, a great leader emerges who had the benefit of a slower pace and a simpler life to truly learn what really matters in this life?

What if they are AHEAD?

10/04/2019

Actionable resources to inspire personal and professional growth for educators.

08/28/2018

WOW. Steve has been getting some rave reviews from teachers lately. :)

“Made Process Easy…Patient”
Steve was very helpful in explaining my 403B to me and calculating when I can retire. He came to me at my school and was very accommodating with the time of our meeting. I know he lives very far away and it meant a lot that he made the process so easy for me to do. He had some issues with my old company and he was very patient and walked me through the process of what to do step by step. I was so pleased with him that I referred him to a co-worker and she too was very pleased with his work. Thanks again Steve!
Amy Nicholls
Kindergarten & 6th Grade

SEE ALL TESTIMONIALS HERE: https://teachandretire.com/testimonials/

“Asked Nothing From Me”
I met with Steve in June of last school year wondering what would come of our conversation. Steve examined my financials including what I would possibly get from TPAF in retirement. He made several helpful suggestions and asked nothing from me, nor did he pitch me any product. I came away understanding my retirement situation more. I am always suspect of altruism but in this case, I believe it was real!:)
Beth

“Less Risk” – Camden
I like to just summarize in a few short sentences how Mr. Carter helped me with my tax shelter. When I had questions about my tax shelter, Mr. Carter sat with me and broke down the information that I needed to know. I was reluctant at first to consider making a decision about a large amount of money. Thinking of my future and financial matter, I decided to proceed with changes to increase my investment and put in less of a risk on the market.
Maria Lalave
Camden School District

“Quick and Easy” – Pine Hill
Steve was very informative. He took the time to explain everything and answer all of my questions! He showed me how to access my retirement projection on the NJ website, and helped me get the papers completed that I needed to start a retirement savings. It was quick and easy and now I feel proactive for my future.
Margaret Diaz
Pine Hill Schools

“Professional, Friendly & Prompt” – Willingboro
Steve Carter was prompt in meeting with me about what I need to know for my future retirement. He was helpful in explaining an estimate on what my pension money will bring so I can plan for my future. He was very professional and friendly and reminded me that I can reach out to him when I have any questions that need answered.
Paulette Chiolan
Willingboro School District

“Explained Options to Increase Savings” – Winslow
Steve was able to answer all the questions that I had concerning my retirement. He explained the various options I have available to me and showed me ways that I could increase my retirement savings. I was not aware of these options and I now feel more confident of my future, especially as I reach retirement age.
Denise Moran
Winslow School District

“Made it Happen” – Camden
Steve made it happen for my 403B contribution. He made the whole process seamless and easy. We talked about the many miles he puts on his car to service clients throughout the South Jersey area.
Gregory Louderback
Teacher of Library Skills Development
Creative Arts Morgan Village Academy
Camden School District

“Put me at Ease”
“Steve is very personable, friendly, and easy to talk with. He answered all my questions and put me at ease.”
Tracy Fowler

“A Great Help for Me & My Family
Steve, was a great help for me who delivered a very good presentation to me about retirement. He explained to me a few options that would benefit me and my Family after I retire. Mr Carter knows the business and I recomnend him to anybody who need assistance with PLANNING for their retirement. Great Job.
L. Marty Johnson

“Outstanding in Customer Service”
Steve Carter was very helpful during our first meeting, and has been outstanding in customer service ever since. No matter how “dumb” my questions might seem, Mr. Carter is always eager and knowledgeable to explain and alleviate all my concerns.
Andrea Ortiz

“Empowered About Retirement & College”
After meeting with you last year, I felt empowered to make informed decisions in my life now for retirement. The advice you gave me regarding paying for my children’s college education was absolutely valuable. Thank you.
Ebony Kinder

“Explained in Terms I Understand…Quick”
Steve Carter was extremely helpful during my TPAF and retirement review. It was all brand new information for me, and Steve was able to explain everything in language and terms that I would understand. He works around your schedule and makes sure his appointments are quick! I am very pleased with my experience!
Bridget Bollendorf

“Helps and Stays in Touch” – Camden
Steve helped me transfer funds to a 403B retirement savings. His professionalism and knowledge were impeccable. He stayed in touch during the process and still calls to keep me updated. I was very pleased with the whole experience.
Audrey Gougon

“Decided to Retire”
Steve was helpful in helping me make a decision with retirement. I therefore met with pension and am retiring in July of this year. Thank-you.
Denise Mylowe

“Now Understand My 403(b)”
Steve broke everything down for me so that I could understand my 403(b). I still have a few more years before I can retire, but at least I feel like I know what’s on the horizon as far as my finances.
Tonda Seals

“Friendly & Informative Way of Explaining Options” – Pine Hill
Working with Steve was a truly enjoyable experience. Typically, financial matters make me anxious but Steve had a friendly and informative way of explaining my options and helped me make a good retirement decision moving forward.
Tom D.

“Helped Me”
Steve helped me to see what I need to do to retire and gave me an approximate time.
Jeff Smith

08/28/2018

PENSION INFORMATION Page Added to Website. Enjoy!

Teachers’ Pension and Annuity Fund (TPAF) Information Teach & Retire Program representatives and volunteers are not employed by the State of NJ nor school districts. This information is provided for your convenience. Click this link to visit the NJDPB website for the most updated information. Enro...

08/28/2018

FAQs - The WHO, WHAT, WHY, WHERE, WHEN, & HOW

The Teach & Retire Program provides pension, retirement, and financial education and assistance to school employees. Confidential, one-to-one meetings between school staff, teachers and program representatives are usually held on school property and during school hours to ensure teachers are able to attend them.

Top 7 concerns addressed at these meetings include:

1. How much will my pension pay me when I retire?

2. Can you help me with pension paperwork?

3. What is the Social Security Offset and how much will it reduce my income?

4. Are my 403(b) plans appropriate and do they contain excessive fees?

5. What are the tax benefits of my policies and what happens if rates change?

6. What happens to my pension and retirement savings if the stock market crashes?

7. How much will taxes take from my income?

WHO
Volunteers include Certified Public Accountants, PFS, CFPs and others with dozens of years of experience who are licensed to discuss topics including pensions, taxes, 403(b) plans, insurance and investments.

WHY
People who educate our children deserve our support. Public school funding and public employee pensions are under attack. Deregulation of the financial services industry will weaken consumer protections.

Educators are already a poorly served population as described in the New York Times article “Think Your Retirement Plan is Bad? Talk to a Teacher."

HOW
Once a year, a limited number of appointments are made available to staff at select school districts. Contacted by email, school staff can schedule an appointment using our convenient online system which will also remind them, allow them to reschedule or cancel. Volunteers are available to meet at schools during lunch, prep, breaks, and after school which are the most convenient times for teachers.

Some school districts only allow representatives of approved companies to meet with staff on school property. In these situations our volunteers usually contract with those companies to ensure access and/or meet off-campus in nearby locations.

WHEN
A limited number of openings are available to School Districts depending on the availability of volunteers in the area.

If you would like your school to participate please contact us. If you are a school employee that would like to participate, please click the Book Now button, and share this information with anyone who might benefit from it.

08/28/2018

“GENUINELY CARES ABOUT TEACHERS”
Steve was very informative about educating me in the transition from a 401K plan to a 403B plan. Steve was very patient with me and thoroughly answered all my questions and addressed my concerns. It was a pleasure working with Steve because he genuinely cares about his teachers!
– Stacy Diggs, Winslow School District