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PENSION Problems

What is your pension really worth?

For most teachers that ask us this question, the answer is usually, "A lot less than you think it will be." There is typically a gap between what teachers will need when they retire and what their pension will pay. That gap is getting bigger. Inflation is spiraling out of control. $10 in your TPAF account today may only be worth $6 in the near future. Wars will make inflation worse. What can you do to protect yourself? Scroll to dig deeper into a topic, or just click to "Schedule a Pension Review" and we'll help you look at your numbers and see what you can do to protect yourself, your family and your finances.

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"Great pension advice with nothing owed...

I met with Steve in June of last school year wondering what would come of our conversation. Steve examined my financials including what I would possibly get from TPAF in retirement. He made several helpful suggestions and asked nothing from me, nor did he pitch me any product. I came away understanding my retirement situation more. I am always suspect of altruism but in this case, I believe it was real! :)

Beth, Pennsauken

"Helpful with pension and other strategies...

Steve Carter was prompt in meeting with me about what I need to know for my future retirement. He was helpful in explaining an estimate on what my pension money will bring so I can plan for my future. He was very professional and friendly and reminded me that I can reach out to him when I have any questions that need answered. Since then I've relied on him to help me figure out what else I can do for my retirement. I am very pleased with his services.

Paulette Chiolan, Willingboro

Why review your Pension now...

Schedule Pension Review

IvyWest Financial's partners have helped thousands of teachers understand their pension plans.

Many times their pensions are not going to pay teachers enough for them to do what they want in retirement.

Have you figured out what you want to do and how much it will cost?

We want to make sure you have enough money to do what you want, with the people you love, and while being healthy enough to enjoy it.

Our complimentary pension analysis and audit can help you understand:

1. What you will need in retirement.

2. How much your pension will really pay you.

2. How to make up that gap through other retirement strategies.

We are going to help you plan ahead and take action to survive inflation and other economic and global chaos. 

During our on-line review we can look at your statements and help you understand the numbers. We like math.

During my TPAF and Retirement Review I was very impressed with Steve Carter. He answered my questions and basically was there to help me. It didn’t matter if I signed up with him or not, he was willing to assist me. When I told him I needed time to think about what I wanted to do with my investments at that point in my life, he said no problem. I did not feel pressured at all.

I did decide to invest differently and mostly because I was impressed with Steve’s knowledge and helpfulness. Every time we needed to meet Steve asked me what was the best time for me and he would make it happen. He takes the clients needs into consideration and that doesn’t happen much anymore.

I have had some problems getting my previous company to release me and I was never on my own. Steve was there to help me through the process. I have met with several others during a review and none of them helped me like he has. I trust him and I believe that he really wants the best for his clients.

Alice j stewart, teacher

Dudley Elementary School, Camden, NJ

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"Made process easy…patient...

Steve was very helpful in explaining my pension and 403B to me and calculating when I can retire. He came to me at my school and was very accommodating with the time of our meeting. I know he lives very far away and it meant a lot that he made the process so easy for me to do. He was very patient and walked me through the process of what to do step by step. I was so pleased with him that I referred him to a co-worker and she too was very pleased with his work. Thanks again Steve!

Amy Nicholls, Camden

"Explained in terms I understand…quick...

Steve Carter was extremely helpful during my TPAF and retirement review. It was all brand new information for me, and Steve was able to explain everything in language and terms that I would understand. He works around your schedule and makes sure his appointments are quick! I am very pleased with my experience!

Bridget Bollendorf, Winslow

What can you do about your Pension shortfall problems?

Step #1. Understand your Pension details.

We've described the problems and solutions as best we can in this website. But, you really need to understand the policy details. Let's just start with quick call or chat online.

 Schedule a 20 Minute Call or Video Chat
Step #2. Make changes to your retirement planning outside your Pension.

Since your pension won't likely cover your needs, you need to explore some other strategies.

 Schedule a Policy Review
Step #3. Get help with your Pension and other paperwork.

You are busy and maybe even overwhelmed. We can help you step-by-step understand your pension and do whatever else you need to do.

 Get Help to with Paperwork

5 Star Ratings (Read Reviews)

Have a quick question about your pension?
Ask it here and schedule a review...

"A great help for me and my family...

Steve was a great help for me who delivered a very good presentation to me about retirement. He explained a few options that would benefit me and my family after I retire. Mr. Carter knows the business and I recommend him to anybody who needs assistance with planning for their retirement.

L. Marty Johnson, Pennsauken

"Explained options to increase savings...

Steve was able to answer all the questions that I had concerning my retirement. He explained the various options I have available to me and showed me ways that I could increase my retirement savings. I was not aware of these options and I now feel more confident of my future, especially as I reach retirement age.

Denise Moran, Winslow

Step 1

Schedule Quick Chat

Step 2

Make a Plan

Step 3

We'll Help You Do It

What's the process like?

The process is very easy - especially since we've switched to web conferences via Zoom or Google Meet during COVID times.

Schedule a meeting online. We can review your policies and make a plan. Then Steve will give you whatever support you need to implement it.

 Schedule a Quick Chat

About  IvyWest Financial

Steve Carter has focused on helping educators with their financial planning and retirement planning for more than 25 years. He has talked to thousands of teachers and is passionate about helping them take simple steps to improve their financial situations. Steve and his wife reside in Manasquan, New Jersey and travel frequently to South Carolina. 

Sam Ingersoll has worked with numerous non-profits and after spending time in the financial services, real estate, and mortgage industries, is now a passionate advocate for consumers. Sam's wife is a physician and they have four children including one with Down syndrome and two adopted through state social services.

While IvyWest Financial serves many affluent families, our practice has become increasingly devoted to supporting educators and teachers who do so much to help our children.