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The Retirement Roadmap For Teachers and Public Employees: A Complete and Comprehensive Guide to Plan for Retirement and be Financially Well Throughout Your Career
The Retirement Roadmap for Teachers & Public Employees
A Complete and Compassionate Guide to Planning for the Retirement You Deserve
Are you a teacher, school staff member, administrator, or public employee wondering whether your pension will truly be enough? Do you feel overwhelmed trying to plan your financial future with limited resources, confusing options, and little trustworthy guidance? You're not alone—and this book was written just for you.
The Retirement Roadmap for Teachers & Public Employees is the most comprehensive, easy-to-understand guide designed specifically for the unique retirement challenges faced by America’s public servants. Written by the educators behind Public Employee Retirement Training (PERT), this book helps you take control of your financial life and create a confident path to retirement—at every stage of your career.
Inside this book, you’ll
✅ How to understand and optimize your pension—including what it covers, what it doesn’t, and how to avoid common missteps that reduce your benefits
✅ Why Social Security may not pay what you expect—and how to account for the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)
✅ The top 10 financial mistakes public employees make—and how to avoid them
✅ Smart investing strategies using 403(b), 457(b), IRA, and Roth accounts tailored for public employees
✅ A step-by-step guide to building your personal retirement roadmap—based on your goals, timeline, income, and expenses
✅ Essential planning for healthcare costs, inflation, taxes, and long-term care—so nothing catches you off guard
✅ Practical tips for transitioning into retirement—including the emotional, social, and psychological adjustments that come with this life shift
✅ How to thrive in all three phases of retirement—the Accumulation Phase, the Preservation Phase, and the Distribution Phase
This isn’t just a book about money—it’s about freedom, empowerment, and peace of mind. You’ll learn how to stop guessing and start planning with purpose. Whether you’re in your 20s, 40s, or a few short years away from retirement, The Retirement Roadmap will help you build the future you’ve earned with decades of service.
"Retirement isn’t a finish line—it’s a journey. Let this be your map."
Packed with real-life examples, straightforward advice, and supportive encouragement, this guide was built for YOU—the dedicated professionals who’ve spent their lives serving others. Now it’s time to serve your future.
About Public Employee Retirement Training (P.E.R.T.)
Public Employee Retirement Training (P.E.R.T.) is a trusted educational resource founded by fellow public employees. P.E.R.T. is dedicated to helping teachers and public-sector employees understand, optimize, and take control of their retirement. Founded by public employees, for public employees, our mission is to simplify complex topics like pensions, Social Security, 403(b)/457(b) plans, and healthcare planning—without selling financial products or pushing investments. Through practical tools, on-demand courses, and ongoing coaching, we empower public servants to build confident, informed retirement strategies tailored to their unique benefits and career paths.
A Complete and Compassionate Guide to Planning for the Retirement You Deserve
Are you a teacher, school staff member, administrator, or public employee wondering whether your pension will truly be enough? Do you feel overwhelmed trying to plan your financial future with limited resources, confusing options, and little trustworthy guidance? You're not alone—and this book was written just for you.
The Retirement Roadmap for Teachers & Public Employees is the most comprehensive, easy-to-understand guide designed specifically for the unique retirement challenges faced by America’s public servants. Written by the educators behind Public Employee Retirement Training (PERT), this book helps you take control of your financial life and create a confident path to retirement—at every stage of your career.
Inside this book, you’ll
✅ How to understand and optimize your pension—including what it covers, what it doesn’t, and how to avoid common missteps that reduce your benefits
✅ Why Social Security may not pay what you expect—and how to account for the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)
✅ The top 10 financial mistakes public employees make—and how to avoid them
✅ Smart investing strategies using 403(b), 457(b), IRA, and Roth accounts tailored for public employees
✅ A step-by-step guide to building your personal retirement roadmap—based on your goals, timeline, income, and expenses
✅ Essential planning for healthcare costs, inflation, taxes, and long-term care—so nothing catches you off guard
✅ Practical tips for transitioning into retirement—including the emotional, social, and psychological adjustments that come with this life shift
✅ How to thrive in all three phases of retirement—the Accumulation Phase, the Preservation Phase, and the Distribution Phase
This isn’t just a book about money—it’s about freedom, empowerment, and peace of mind. You’ll learn how to stop guessing and start planning with purpose. Whether you’re in your 20s, 40s, or a few short years away from retirement, The Retirement Roadmap will help you build the future you’ve earned with decades of service.
"Retirement isn’t a finish line—it’s a journey. Let this be your map."
Packed with real-life examples, straightforward advice, and supportive encouragement, this guide was built for YOU—the dedicated professionals who’ve spent their lives serving others. Now it’s time to serve your future.
About Public Employee Retirement Training (P.E.R.T.)
Public Employee Retirement Training (P.E.R.T.) is a trusted educational resource founded by fellow public employees. P.E.R.T. is dedicated to helping teachers and public-sector employees understand, optimize, and take control of their retirement. Founded by public employees, for public employees, our mission is to simplify complex topics like pensions, Social Security, 403(b)/457(b) plans, and healthcare planning—without selling financial products or pushing investments. Through practical tools, on-demand courses, and ongoing coaching, we empower public servants to build confident, informed retirement strategies tailored to their unique benefits and career paths.
196 pages, Kindle Edition
Published June 23, 2025
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