A 403b Teacher Retirement Plan that Creates Income You Can’t Outlive
Financial consultant in Mansfield, TX (show on map)
1st American helps K-12 educators and public school employees create income streams for retirement through personalized 403b, 457b, IRA, and life insurance solutions.
1st American Pension Services, Inc., established in 1987, specializes in retirement planning for K-12 educators and public school employees. The company provides personalized 403b, 457b, IRA, Roth IRA, and life insurance solutions, helping clients create sustainable income streams for retirement.
With a mission to protect the financial well-being of those shaping the nation's future through education, 1st American offers unbiased advice, tax-free income strategies, and comprehensive retirement planning services. Trusted by thousands of employees across numerous districts, the firm emphasizes integrity, personalized service, and long-term financial security.
Independent, unbiased retirement counseling
Specialization in teacher and public school employee retirement planning
Comprehensive suite of retirement products (403b, 457b, IRA, life insurance)
Personalized service with a focus on long-term financial security
Services
Personalized Teacher Retirement System (TRS) Analysis
Provides customized TRS calculations based on individual educator data to determine retirement income expectations.
Personalized calculationsIncome gap analysisStrategy recommendations
403b / Roth 403b Retirement Planning
Designs employer-sponsored retirement plans for non-profit organizations, including public education institutions.
Employer plan designTax-advantaged savingsCustomizable contribution options
Life Insurance with Living Benefits
Offers permanent life insurance products that provide tax-free income and living benefits for terminal, chronic, or critical illnesses.
Member of Various Educational Retirement Advisory Boards
Since N/A
Frequently Asked Questions
What is the difference between a 403b and a 457b plan? +
A 403b is primarily for employees of public schools and certain tax-exempt organizations, while a 457b is designed for state and local government employees and some non-profit organizations. Both offer tax-deferred growth, but the contribution limits and eligibility criteria differ.
How can I determine if a life insurance policy with living benefits is right for me? +
1st American assesses your financial needs, risk tolerance, and health status to determine if a permanent life insurance policy with living benefits would provide tax-free income and protection in case of terminal, chronic, or critical illness.
What is the Partial Lump Sum Option (PLSO) and how does it work? +
The PLSO allows retirees to receive a portion of their retirement benefits as a lump sum, which can help bridge income gaps during retirement. 1st American calculates the optimal PLSO amount based on individual financial situations.
Why is it important to start retirement planning early? +
Starting early reduces the amount needed to save each month to offset future income loss, takes advantage of compound growth over time, and allows for tax-deferred savings that grow faster than later contributions.
How does 1st American ensure the confidentiality of my retirement information? +
1st American employs encryption for online data transmission and secure offline storage, limiting access to personally identifiable information to only those employees who need it for specific job functions.
What districts and schools does 1st American serve? +
1st American serves thousands of employees across numerous districts, including Dallas ISD, Houston ISD, Fort Worth ISD, Arlington ISD, GPISD, Garland ISD, Lewisville ISD, Richardson ISD, Amarillo ISD, Brownsville ISD, Tyler ISD, and Longview ISD.
