Your retirement income deserves a closer look

Your pension is a foundation. Is it enough for the retirement you want?

A pension can be an important source of retirement income. Understanding what it may provide—and what it may not—can help you plan the rest of the picture.

Schedule a Pension Review
A mid-career public employee reflects at her desk near an office window.
Pension
403(b) Account
Other income
Your retirement Income picture
A pension is one foundation within a broader retirement-income picture.

Three questions to begin

Look beyond the pension estimate.

How much of my paycheck will my pension replace?

Most public pensions cover only 50% to 70% of final salary. Discover how years of service, tier rules, and formulas shape your true benefit.

Explore the pension income gap

Will my retirement income keep up with rising costs?

Retirement can easily span three decades. Without strong inflation protection, essential living expenses can quickly outpace your check.

Consider inflation and purchasing power

What can I do about the difference?

Tax-advantaged accounts such as a 403(b) can help bridge the gap between your pension and the retirement you envision, offering added control and flexibility for the years ahead.

See how pension and savings can work together

The first check is only the beginning

Retirement income has to work over time.

A useful retirement conversation looks beyond a single benefit estimate. It considers the income you may need, how long retirement may last, what could change, and which resources you can control.

  1. 01Understanding what your pension replaces—and what it does not
  2. 02Protecting your retirement income against rising costs over time
  3. 03Leveraging a 403(b) account to gain control over your financial future

A CONVERSATION CAN HELP

What could your retirement income look like?

A focused review can help you organize the pension, savings, timing, and income questions that matter to your situation.

Schedule a Pension Review