403(b) Retirement Planning for Educators
Because the work you do deserves a secure future.
You spend your career investing in others. A 403(b) helps you invest in yourself.
At Birch Wealth Management, we specialize in helping educators make smart, confident decisions about their 403(b) retirement plans — without the confusion, pressure, or hidden fees that often come with them.
Whether you’re just starting out or nearing retirement, we’re here to help you understand your options and build a plan that fits your life.
What Is a 403(b)?
A 403(b) is a tax-advantaged retirement plan designed for educators and employees of public schools and nonprofit organizations.
But not all 403(b) plans are created equal — and many educators are offered products that are expensive, restrictive, or poorly explained.
That’s where we come in.
How Birch Helps Educators
Plan Review & Education
We break down your current 403(b) in plain language so you know exactly what you have, what it costs, and how it works.
Vendor & Investment Guidance
We help you evaluate vendors, investment options, and fee structures — including annuities and mutual funds.
Fee Transparency
Retirement Strategy Alignment
Your 403(b) should work with your pension, Social Security, and personal goals — not exist in a silo.
Ongoing Support
Who We Work With
K–12 teachers
Administrators & school leaders
Support staff & specialists
College and university educators& school leaders
Public school and nonprofit employees
If you’re eligible for a 403(b), we can help.
Why Educators Choose Birch Wealth Management
Fiduciary-first advice — always in your best interest
No pressure, no commissions-driven recommendations
Clear explanations, honest guidance
Local, relationship-based planning
We believe financial planning should feel empowering — not overwhelming.
Start With a Conversation
You don’t need to have all the answers. That’s our job.
Schedule a complimentary 403(b) review and let’s make sure your retirement plan is working as hard as you are.