Employee Retirement for Texas Teachers & State of Texas Workers
403(b) and 457(b) Retirement Plans
Plan Smarter for Retirement — Built for Texas Public Employees
Texas teachers, school staff, and state employees have access to powerful retirement savings tools beyond TRS. 403(b) and 457(b) plans allow you to save additional money for retirement on a tax-advantaged basis, helping you build long-term financial security. A 403(b) plan is designed specifically for educators and nonprofit employees, allowing pre-tax or Roth contributions that grow tax-deferred. A 457(b) plan is available to state and local government employees and offers unique flexibility, including penalty-free withdrawals upon separation from service.
Key Benefits
• Reduce current taxable income
• Tax-deferred or tax-free growth (depending on plan type)
• No income limits to participate
• Catch-up contributions available
• 457(b) plans allow access before age 59½ when leaving employment
Who This Is For
• Texas teachers and administrators
• School district staff and support personnel
• State of Texas employees
• Anyone looking to supplement TRS retirement benefits
We help you understand your options, select approved vendors, and design a strategy that aligns with your retirement goals — without pressure or obligation.
>> Schedule a free retirement review to see how a 403(b) or 457(b) can work for you.