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Maximize your Texas Teacher Retirement System (TRS) Pension Plan

WHO CAN BENEFIT?

Individuals who are married or plan to be married when they retire on a TRS pension can benefit from Pension Maximization.

WHAT IS PENSION MAXIMIZATION?

Simply put, Pension Maximization is a strategy to get the most money possible from your TRS pension account. By planning ahead you can receive the highest monthly payout available from TRS while also protecting the pension you've worked your whole life to accumulate. The sooner you start a Pension Maximization strategy, the more you will benefit.

HOW DOES IT WORK?

When you set up your retirement, the Teacher Retirement System will give two options for your pension. You can elect a Standard Retirement that pays you a monthly benefit for the rest of your life. Alternatively, you can elect a reduced monthly retirement benefit for the rest of your life, AND that reduced benefit will continue to be paid to your surviving spouse for the rest of his or her life. The reduced payout is called a Joint and Survivor Annuity.

With Pension Maximization you essentially create your own Joint and Survivor Annuity that is much more beneficial to you than the one offered by the Teachers Retirement System.

WHY IS IT IMPORTANT?

Pension Maximization could be worth hundreds of thousands of dollars to you and your family. Request a Custom Illustration to see what it could be worth to you.

EXAMPLES

Pick one of these three examples that most closely matches your situation. The illustration will give you an idea how Pension Maximization can work for you. Better yet, Request a Custom Illustration to see exactly what Pension Maximization can do for you.

34 Year Old Teacher

Kaley

Age 34

Kaley's husband Matt is 5 years older than her.

Kaley has participated in the TRS for 5 years.

See what Pension Maximization can do for someone like Kaley and Matt

48 Year Old Teacher

Janice

Age 48

Janice's husband Bob is 4 years older than her.

Janice has participated in the TRS for 19 years.

See what Pension Maximization can do for someone like Janice and Bob

31 Year Old Male Teacher

Eduardo

Age 31

Eduardo's wife Suzette is 3 years younger than him.

Eduardo has participated in the TRS for 1 year.

See what Pension Maximization can do for someone like Eduardo and Suzette


West Romberger

West Romberger

YOUR AGENT

West is a Farmers Agent who specilizes in helping teachers get the most from the Teachers Retirement System. He's well versed in the Teachers Retirement System Handbook. He holds a Summa Cum Laude Finance Degree from Texas State University.

Frequently Asked Questions

WHAT IS A JOINT AND SURVIVOR ANNUITY?

A Joint and Survivor Annuity from TRS pays you a monthly benefit for the rest of your life and for the rest of your spouse's life should he or she survive you. The monthly benefit that is paid to you and your surviving spouse is less than the monthly benefit you would receive for the remainder of only your life. The reduction in your monthly benefit can be substantial.

WHAT IF I DON'T RETIRE AS A TEACHER OR I MOVE OUT OF STATE?

Pension Maximization can benefit you even if you retire from a different profession or retire as a teacher in a state other than Texas.

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107 S Main, Suite B, Kyle

(512) 828-7662

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