Are you a teacher or public employee wanting to prepare for retirement but unsure where to start?
I N T R O D U C I N G
The P.E.R.T. Retirement Roadmap for Teachers, Educators, and School
& University Employees
This is a comprehensive guide & membership community taking you from A to Z on how to get started and understand exactly what you need to know and do in order to prepare for retirement and be financially well!
See What's Inside The Retirement Roadmap
Click play to get a sneak peak inside of the course!
As a Retirement Roadmap Member you will also get lifetime access to:
- COMMUNITY: Private P.E.R.T. Members' Facebook Group/Community
-
EVERYTHING TO COME: All Future Educational Modules and Bonus Lessons
- A LOOK INTO THE FUTURE: Your Own Customized Pension, Social Security, and Income Gap Report
-
PUTTING IT INTO PRACTICE: Downloadable Financial Wellness & Retirement Planning Tools to help you put strategies into practice & achieve real results
- ON-GOING GUIDANCE: Monthly Coaching/Q&A Members' Calls
-
PERSONALIZED ATTENTION: Access To a One-on-One Retirement Advisor who will help you develop a plan of action whether you are starting from scratch or already have an existing plan
Ironically, the most vital education that you will need to prepare for your future is not taught in the education system...
Are you working in the education field as a teacher, staff member, administrator or other school or university employee and feeling like you may never get to retire? Or wondering how much you’ll need to save in order to live your dream life in retirement? You might be working extra jobs just to earn additional income because it never feels like you’ll have enough to stop working.
But if you plan well and understand how your pension & retirement plans work, you’ll be better prepared for the future.
Are you dreaming of the future where you are living a carefree life on a beach? Or enjoying quiet days at home? Does that life have you living comfortably without a worry in the world?
If so, you’ll need to plan now for your future retirement in order to make that dream a reality.
Are you feeling unsure about what you need to do in order to make that happen?
It’s time to start planning for the future!
You CAN make changes now that will impact the future.
You’ll understand the top mistakes teachers and public employees make in their retirement planning so you don’t do the same.
Instead, you can finally have an understanding of how retirement plans work and what it means for you to start now - it’s not too late!
It’s time to take control of your future!
You’d be amazed at how much you’ll learn and how quickly you can start applying that knowledge! With some financial literacy and the knowledge of how retirement plans work you can…
- Avoid top financial planning mistakes
- Start supplementing your income now
-
Actually save for retirement
-
Understand the different types of plans and how to manage them
-
Learn about things that can alter your perceived pension such as taxes
-
Maximize your retirement income
Wouldn’t it be nice not to stress over money? Or have to worry about if you’ll have enough to retire in the future?
When you understand the ins and outs of financial strategies and products, you can have them working for you instead of you working for them. You’ll have the big picture of what your future can look like and start working towards those goals, now. Creating a financial plan for your future and getting on track now instead of panicking later. Don’t you want to worry less about your retirement and focus on the now?
If you want to learn how to get started on your financial future...
Keep reading!
Whether you are a teacher or public employee and…
- Someone who wants to pay off debt,
- Someone who wants to retire in the near future but aren’t sure you’ve saved enough,
- Working multiple jobs to make ends meet and worried about the future,
-
Just starting out but want to start planning now,
-
Feeling worried that you’ll run out of money before you die,
-
That you aren’t getting enough out of your retirement plans and need to learn more,
-
Or anywhere in between...
The P.E.R.T Retirement Roadmap for Teachers, Educators and School & University Employees was designed for you!
Financial & retirement planning can
be really daunting,
especially if you don’t know a lot about it. Understanding how to make your retirement plans work for you and what plans are an option for you can feel overwhelming when you don’t know where to start. But putting your head in the sand isn’t going to help you save for the future. Instead, it’s time to poke your head up, learn about how to start saving for your future and what changes you need to make in order to meet your end goals.
At P.E.R.T., we understand where you are right now and we can help.
P.E.R.T. was developed and founded by fellow public employees that know your needs and struggles because they are our same needs and struggles.
Our goal is to help other teachers and public employees like us to have a better financial awareness about their future.
We knew that our experiences as public employees could help to give others the guidance we wish we’d had ourselves...
We felt that the government doesn’t educate its employees enough or at all on how to manage their future finances or plan for retirement.
We wanted to help teachers and public employees plan their retirement and achieve financial wellness.
When we looked, we couldn’t find anyone helping teachers and other employees in the public sector with planning or understanding financial products.
We wanted to be able to help teachers and public employees to start planning early and not make the mistakes so many others make due to lack of information.
We wanted teachers and public employees to understand what the different financial options were that were available to them.
We wanted people just like you to know it’s never too late to start saving. We really wanted teachers and public employees to feel comfortable with financial products by being empowered with education.
It’s hard for many teachers and school employees to find this kind of information. And if you aren’t used to working with financial products, it can feel a bit scary. But that’s why we at PERT are here to help people like you. You know that you need more information about your pension, retirement, financial and investment accounts but you aren’t sure where to begin.
That’s how we’re going to help you.
It’s time to learn about your 403B, IRAs, pensions, insurance, and much, much more...
It’s time to understand that the choices you make today can impact your dream retirement tomorrow.
It’s time to make some financial decisions that will help you to achieve your financial goals.
There is a lot of information out there but it’s not easy to decipher, especially if you aren't familiar with the financial industry. We’re here to help you to understand what these plans mean and how you can make them work for you. But we’re also here to help you understand why a financial plan is important and how you can make changes now, even small ones, that will have a big impact later on down the road.
Don’t you want to enjoy your retirement years instead of stressing about making ends meet? Isn’t the goal to work now and play later?
Here’s the problem...
You know that in order to make money in retirement, you should be putting money away NOW instead of later. Whether you are only a few years away from retirement or just starting out, putting together a solid financial plan is the key to understanding what your future will look like.
Don’t avoid planning because you don’t understand it. That’s what so many people do and they have unexpected surprises when they retire. Whether it’s not having enough money or having taxes to pay that they didn’t anticipate. So take the time now to understand the various plans, their financial impact and how you can make plans now to avoid surprises later.
- You need to understand what plans you are currently enrolled in
- You need to understand what other financial products you can contribute to
- You need to learn about how to make your products work for you
-
And you need to learn how to put together a financial plan now to prepare for the future
We are here to help you!
Right now you’re one decision away from being better prepared for the future BUT…
- You’re feeling OVERWHELMED and don’t know where to start...
- You’re STRUGGLING to believe in your abilities to try or learn new things..
-
You’re afraid you won’t like what you see...
-
You’re worried that it won’t be enough...
-
You think it might be too late to start…
-
You lack the CONFIDENCE to take control of your future…
Which leads you to…
Putting this off even further, or worse, never starting at all.
There’s an EASIER way to get all of this done!
You are capable of taking control of your financial future. Don’t let your lack of knowledge put you in what could be a precarious situation later on down the road. Learn now in order to prepare for later. It’s time to understand and plan so there won’t be surprises later.
We will take you step-by-step through our system to help you to understand your financial product options, to get a picture of what retirement can look like for you and to help you to get past your biggest fears and regrets so that you can focus on your future. The more you learn and understand, the better prepared you will be and can start making financial decisions now that will impact you later.
What are you waiting for? Don’t you want to have enough money to retire comfortably?
It can be a little scary getting started. There are so many different financial products out there and
it’s hard to differentiate between them if you don’t understand them.
However, the more you drill down, the more you’ll realize exactly what type of plan is right for you.
And knowing what you want in your retirement will help you to plan now for the future.
It’s worth understanding what retirement plans are, their tax implications and if they are
enough to pay for the lifestyle you dream of in the future.
Just take a look at these people who decided they needed to take their financial future into their own hands!
Here’s what’s inside of.....
We've broken down everything you need to know about
planning for your retirement into an easy to follow course. There are NO financial products to purchase here even if you wanted one!
Module One:Welcome & Setup for Success
We’ll talk about why retiring now is different from teachers from 20 or 30 years ago and what that means for you.
• Welcome
• The New Era of Teacher and Public Employee Retirement
• How to Identify and Avoid the Top 10 Financial Planning Mistakes
• What You Will Learn
Module Two:What They Don’t Tell You About Retirement
Retirees today are different from those that came before. Not only do many have bigger plans, but they can’t rely on the government to do everything for them and still be able to retire comfortably. Learn about what this new retirement picture looks like and start planning now for yours.
• The New Retirement Picture
• The Biggest Fears and Regrets of Current Retirees
• Calculating Your Goals and Milestones
Module Three:Your Pathway To Retirement
There are many different financial products out there and each has their own sets of pros and cons. So how do you choose and what options are available to you as a teacher or school employee?
• Why Start Now
• The Stages of Retirement
• Understanding Your Pension
• Understanding Social Security
• Supplementing Your Pension
Each retirement plan has different functions, tax implications and minimum or maximum contributions. Understand the intricacies of each in order to know which are best for you.
• What Is A Qualified Plan?
• The Role Of The Third-Party Administrator
• 403B
• 457B
• 401Ks
• IRAs
• Roth Accounts
• The Retirement Tax Buckets
• Required Minimum Distributions
• Providers, Opening and Transferring Accounts
Module Five:Maximizing Your Retirement Income
Whether you’ve started late putting money into your retirement account or have grandiose dreams of how you’d like to spend your retirement years, you’ll want to get the most out of your money.
• The Top 3 Ways Teachers and School Employees Maximize Their Earnings
• Second Careers and Retirement Jobs
• Overview: Investing In The Stock Market
• Overview: Business Ownership
Module Six:What Most People Miss (Critical Things That Can Alter Your Perceived Pension / Future)
Just because you’ve been saving for retirement doesn’t mean you know how much you have put away or how certain plans can affect the amount you think you are earning. The impact of taxes, healthcare and other expenses can have an impact on your perceived pension versus the reality.
• Annuities
• Taxes
• Healthcare
• Life Insurance
• Inheritance and Legacy
Module Seven:Creating and Validating Your Financial Plan
A financial plan will help you to understand what you need to do now in order to attain the goals you’ve set for your future.
• Wrap Up
• Working With A Financial Advisor
• Getting Your Personalized Retirement Plan
• Staying On Track
• Personalized Pension, Social Security & Income Gap Report
• Monthly Member Q&A Coaching Sessions
• One-on-One Personal Retirement Review & Consultation
I’m interested BUT still thinking about it...
Every day, more and more people are taking the first step towards
planning for their financial future
You might be wondering
Did they just get lucky when it comes to money?
No, most did not!
They just took the BOLD decision to improve their lives.
THE FACT IS: If you want to live your dream retirement, you need to put the work in to make it happen - you need to take the next step to understand your financial plans. Make your finances work for you so that you can have the retirement life you’ve dreamed of.
You're one decision away from PLANNING FOR YOUR FUTURE, HAVING FINANCIAL SECURITY, AND MORE TIME IN YOUR LIFE!
You don’t want to work forever, you want to actually enjoy your retirement years. If you want to see a light at the end of the tunnel, it’s time to make a change.
It will be worth it.
It’s Not Just About Understanding Your Finances...
It’s about investing in yourself, so that you can go from overwhelmed and unsure,
to having more security in your financial future.
It’s about investing in your future, so that you have more time to prepare for the day you stop working -
making changes now so that you can enjoy life later.
It’s about investing in your future, so that you can TRULY start taking the time you need to
plan and make that money work for you.
It’s about investing in yourself, and learning more about what financial options are
available to you and how to get started.
Don’t you want to create positive change in your life?
Ready to make it happen?