Secure Your Future
You’ve worked hard to support your family, your students, and your community. Now it’s time to make sure your retirement plan works just as hard for you.
How We Can Help
We help educators, public workers, and everyday families understand how life insurance and retirement planning can work together.
We’ll help you:
Review what coverage you already have (if any)
Explain your options in simple, clear language
Compare policies that include living benefits
Design a strategy that aligns with your retirement and legacy goals
Why Choose Mr. 403b for Your 403(b) or 457(b)?
We specialize in helping everyday heroes—teachers, healthcare workers, nonprofit professionals, and public employees—turn complex retirement rules into clear, simple decisions. With Mr. 403b , you get personal guidance, not cookie-cutter advice.
Who We Serve
Mr. 403b is dedicated to serving:
- Teachers & School Staff – Public and private K–12, colleges, and universities
- Nonprofit & Charity Professionals – Staff members of 501(c)(3) organizations
- Government & Public Employees – City, state, and federal workers who qualify for 457(b) plans
- Faith-Based & Religious Organizations – Employees of qualifying ministries and institutions
If your employer offers a 403(b) or 457(b), we can help you make the most of it.
How Our Process Works
Step 1 – Discover
We start with a simple conversation to understand your employer benefits, pension options, current savings, and retirement goals.
Step 2 – Design Your Strategy
We determine whether a traditional 403(b), Roth 403(b)/457(b), 457(b), or a combination makes sense for your situation.
Step 3 – Set Up Contributions
We coordinate with your employer so contributions are automatically deducted from your paycheck—no extra work for you.
Step 4 – Review and Adjust
We meet periodically to review performance, life changes, and contribution levels to help keep you on track for your retirement date.
403(b) vs. Roth 403(b)/457(b) vs. 457(b)
Understanding the differences between each plan type can help you decide how to best structure your retirement savings.
| Plan Type | Tax Treatment | Best For | Key Considerations |
|---|---|---|---|
| Traditional 403(b) | Pre-tax contributions; tax-deferred growth | Those who want to lower taxable income now | Taxes are due when you withdraw funds in retirement. |
| Roth 403(b) & Roth 457(b) | After-tax contributions; potential tax-free withdrawals | Those who expect to be in a higher tax bracket later | Does not reduce current taxable income, but qualified withdrawals can be tax-free. |
| 457(b) | Pre-tax contributions; tax-deferred growth | Government and certain nonprofit employees seeking additional flexibility | May allow more flexible access to funds depending on plan rules and employment status. |
Frequently Asked Questions
A 403(b) is a tax-advantaged retirement savings plan available to employees of public schools, certain nonprofit organizations, and some religious institutions. You contribute regularly from your paycheck, and those contributions can grow over time to help replace your income in retirement.
A 457(b) plan is a deferred compensation plan often offered to government and certain nonprofit employees. It also allows tax-deferred savings and, in some cases, additional flexibility for accessing funds compared to other plans, depending on the specific plan rules.
If your employer offers both and you qualify, you may be able to contribute to each plan separately. This can significantly increase how much you save each year toward retirement.
Not at all. The earlier you start, the more time your money has to potentially grow. But even if you’re mid-career or approaching retirement, we can still help you build a focused, realistic strategy.
Mr. 403b Company provides education and guidance on retirement plans, but we do not provide tax or legal advice. Please consult with a qualified tax professional or attorney regarding your specific situation.
Mr. 403b provides information and guidance regarding retirement savings plans such as 403(b) and 457(b) plans. We do not offer tax or legal advice. Please consult with a qualified tax professional or attorney regarding your specific situation. Investment and insurance products may be subject to risk, including possible loss of principal. Plan availability and features depend on your employer and applicable laws.