Person in Orange Long Sleeve Sweater Writing on Ipad

Helping educators plan for retirement, repair ​credit, and succeed in online business

What we do


Retirement Planning

We guide teachers on maximizing 403(b) and 457(b) plans, ​supplementing pensions, managing pre-retirement finances, and ​utilizing catch-up contributions for a secure retirement.

Starting a New Business

For entrepreneurial teachers, we offer insights on business planning, ​funding options, and balancing business ventures with teaching ​responsibilities.

Credit Repair

We offer credit counseling services to help teachers manage debt, ​improve credit scores, and achieve financial stability.

Professional Development

We provide information on courses, certifications, and workshops to ​enhance skills and career prospects.

Work-Life Balance

Our resources offer strategies to maintain a healthy work-life ​balance, managing classroom responsibilities, personal life, and ​additional ventures.



What we offer

Young Teacher in Classroom

Re​tirement Planning

Understanding your pension ​is the first step to financial ​freed​om.

happy teacher at blackboard

Cr​edit Counseling

Improve your scores and ​achieve financial stability.

Woman Drinking Coffee During Daylight

Bu​siness Development

From personal coachi​ng to on demand cours​es, we ha​ve you covered!

Did you ​know?

98% of EDUCATORS have no knowledge about their pension


80% have never logged into their account


60% have no knowledge about the rule of 80


50% have no knowledge about the rule of 90


40% think it’s too early to start planning


35% continue to work beyond retirement year


Contact us

403b Smart


403bsmart.home@gmail.com

www.403bsmart.com