Educators and School Employees

Michigan Educators and School Employees

Dedicated to those Who dedicate thier lives to others

We know educators are driven by passion. A career in education means devoting
your life to helping others reach their full potential. We want to do the same for you
by helping you prepare for a comfortable retirement.

We Know your Pension System

We understand how complex and confusing school pension systems can be. The state plans vary based on when you were hired, and each comes with its own formulas, options, and long-term implications. Our job is to educate educators — helping you understand how your pension works and how it fits into a clear, confident retirement strategy.

We Speak Your Language

As educators, you understand that people learn best when they can see the whole picture — and so do we. We use simple visuals and easy-to-understand tools to show how your pension, savings, and income work together — making every conversation clear, meaningful, and confidence-building.

We Work around Your Schedule

We know how demanding the school day can be, and that finding time for your own planning isn’t easy. That’s why we make the process simple and flexible. Retirement is too important to put off, so we work around your schedule to help you stay on track with confidence and clarity.

Life After the Classroom

Your pension is the foundation of your retirement, but it’s only one piece of the bigger picture. Through clear goals, a personalized plan, and a disciplined portfolio, we help you build lasting independence — ensuring your income, savings, and investments work together to support the life you want long after the classroom.

Our Process Tailored for Educators

Your career and retirement path are unique, so our process is built to fit you

Goals: We start by defining what financial independence looks like for you — from the classroom years to retirement.

Plan: Using tools like eMoney, we create a personalized plan that coordinates your pension, savings, and future income needs.

Portfolio: Your investments are structured to support your plan — simple, disciplined, and designed to help outpace inflation.

Review: Through ongoing reviews, we track progress, adjust for life changes, and keep your plan aligned with your goals and timeline.

We turn financial complexity into clarity — helping you plan confidently for the next chapter of life.

Common Educator Questions

“How do I know if my pension and savings will be enough to maintain my lifestyle?”

We help you project future income and expenses so you can see exactly how your pension, 403(b), and other savings work together to support your goals.

“What steps should I take now to retire with confidence later?”

We create a clear, actionable plan that keeps you focused on long-term growth — not short-term media headlines.

“What happens to my benefits if I decide to leave education?”

We walk you through what stays, what transfers, and how to protect your savings if your career path changes.

Let’s Build Your Plan for a Confident Retirement

You’ve dedicated your career to helping others — now it’s time to focus on your own future.We’ll help you understand your pension, align your savings, and create a plan that gives you clarity and confidence for life after the classroom.

MIP Pension Overview

See how your pension works and what factors determine your retirement income.

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Choosing a Plan

Are you new to the public schools and not sure which plan fits you best

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Pension Estimate

Learn how to estimate your pension and how that calculation is figured out

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Your 403(b)/457

Understand how your supplemental savings plan works alongside your pension.

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Plan Your Future With Confidence

You’ve spent your career helping others build their futures — now it’s time to focus on your own.

We’re here to help you make sense of your pension, strengthen your savings, and build a plan for lasting independence.

Let's Get Started