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    • Home
    • Welcome
      • About Us
      • Healthcare Needs Map
      • Schedule Appointment
      • Our Mission
      • TESTIMONIALS
      • News Letters
      • Blog
      • Our YouTube Channel
    • MEDICARE
      • Medicare
      • HSAs with Medicare
      • Inflation Reduction ACT
      • Medicare Renewals ANOC
      • Choose your Direction
      • PARTS OF MEDICARE
      • Medicare Costs
      • Meet IRMAA
      • Enroll in MEDICARE
      • Medicare 101 Videos
      • Medicare Supplements
      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Quotes for Medicare
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
    • U65 & Ancillary
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Funeral Planning
      • Hospital Indemnity Plans
      • Pet Insurance
    • GROUP Ins
      • Employer NJ forms
    • Disability
      • Disability
    • Social Security
      • When Does It Start
    • National Life
      • RETIREMENT
      • NLG
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • IUL Life Insurance
      • Annuities
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
    • Mentor Broker Program
      • BROKERS Back office
      • Medicare Mentor Program
    • CRM Technology
    • About
  • Home
  • Welcome
    • About Us
    • Healthcare Needs Map
    • Schedule Appointment
    • Our Mission
    • TESTIMONIALS
    • News Letters
    • Blog
    • Our YouTube Channel
  • MEDICARE
    • Medicare
    • HSAs with Medicare
    • Inflation Reduction ACT
    • Medicare Renewals ANOC
    • Choose your Direction
    • PARTS OF MEDICARE
    • Medicare Costs
    • Meet IRMAA
    • Enroll in MEDICARE
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Quotes for Medicare
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Funeral Planning
    • Hospital Indemnity Plans
    • Pet Insurance
  • GROUP Ins
    • Employer NJ forms
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • National Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
    • Medicare Mentor Program
  • CRM Technology
  • About

Value Teachers Report Card

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 Let's look at the math: if you started saving $100 a month when you were first hired at 23, with the plan to retire at age 65 (let's use an example of an 8% interest rate, compounding annually), you would have a total savings in that account of $365,092.23 at retirement. Instead, you waited until 26, and that short three-year period shrank that potential account balance to $286,729.47. Your three years of having that extra $50 in your paycheck every two weeks cost you $78,362.76 in lost earned interest!  

RETIREMENT

 

Retirement Crisis

Today, the average retired teacher has less than $1,800 per month to take home from their teacher retirement system after STRS reductions, taxes, health insurance premiums, and other necessary options are deducted. This is an American travesty! According to a USA Today opinion poll: 78% of retirees polled “wished they had planned better for retirement,” 42% “wished they had saved more money,” and 37% “wished they had opened an IRA or contributed to a 403(b).” Retirement Supplements for school employees were established by the IRS in 1958, and after 50+ years, only 25% are saving for their future.

No one can live with dignity on a take home retirement income of $1,800 per month! ValuTeachers is committed to the crusade of helping teachers improve their bottom line at retirement.

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GOALS

 

The Cost of Waiting to Save for Retirement

 Save Early  

  

Compounding interest is the financial form of rolling a snowball. You take just a little clump of snow and start rolling around. It grows slowly as it gains more surface area for more snow to stick to, then grows more and more rapidly with every roll until you have the base of a snowman. Every time you add to the total balance, you aren't just getting interest on that one contribution. You earn interest on the account's entire balance; more money grows, more money! 

Starting a retirement account as early as possible while making regular contributions is the key to living the happy and healthy life in retirement that you so deserve for your years of hard work and providing for your family. Paying yourself for your future is always important, but so is giving yourself regular raises, just like you would expect at work.  

 

Social Security

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DREAM BIG

A proper retirement plan will make a difference in how someone can enjoy the later years of life. Including the opportunity to travel, spend special moments with grandchildren, live in assisted living communities, or pay for needed medication. 

Call Lynne Now 863-588-1582

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Taking care of your financial future may be the last thing on your mind. This is where ValuTeachers can assist you. We have a number of financial solutions to assist you in reaching your retirement goals, whether you're planning just for yourself or your family's future.

Paula smith

A Message From Our Founder and President

As a retired educator, I understand today's educators' financial challenges. Unfortunately, your decision to serve our communities by teaching our future generations does not ensure you a financially secure retirement.

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I am committed to making a difference for all school employees across America. ValuTeachers was founded on a single principle: to provide valuable information about how to secure retirement dreams while offering exceptional 403(b)/457/IRA retirement products for our educators and school system employees.

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Our retirement specialists are prepared to provide education and ongoing service to individual clients and their families about retirement planning. We are pleased to have the opportunity to make an impact on the communities we serve.

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Your Health Insurance Advocates

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