403(b) plans

Prepare for a comfortable retirement with a 403(b) plan

A 403(b) plan, which is like a 401(k) for educators and non-profit employees, can help supplement your pension or other retirement savings. It’s specifically designed for education and non-profit professionals, has the flexibility to adjust as your needs change and can help you turn your salary into a more comfortable retirement.

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Are you an educator?

A career devoted to helping others reach their full potential creates unique needs. Find strategies tailor made for education professionals. 

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Your 403(b) plan can work with your pension or other savings

How can a 403(b) plan help you save?

  • Every dollar counts – Start saving whatever amount works for you, start or stop, decrease or increase your contributions up to the federal maximum, at any time.
  • It’s automatic – You pay yourself first, because your savings are deducted right from your paycheck.
  • It’s flexible – Select the investments you’re most comfortable with – and change them when you want.
  • You won’t pay taxes while you’re saving – Your taxes are deferred until you withdraw the money from your account, which is typically when you’re retired and in a lower tax bracket. That means all of your earnings stay invested, letting your money grow faster than it would in a taxable account.

Are you saving enough?

Our retirement calculator can help you estimate how much you should save and how much retirement income you could potentially have. Answer four quick questions to find out if you’re saving enough.

Retirement savings calculator

Equitable is committed to helping you

We know educators and non-profit professionals are driven by passion. A career in education or as a non-profit employee means devoting your life to helping others reach their full potential. We want to do the same for you, by helping you prepare for a comfortable retirement.

Educators make Equitable the #1 choice for 403(b) plans

Since 1859, Equitable has helped people build and secure their financial futures. Our 403(b) plan is designed to meet the unique needs of educators and non-profit employees across the country. That’s just one reason why we are the #1 choice for educators in K-12 schools in the U.S.1 and help thousands of non-profit employees realize their retirement dreams.

With Equitable Excellencesm, we’re one of the nation’s largest corporate providers of scholarships for students planning for college, awarding over $1.4 million per year since 2003. We also support educators by providing grants to schools to help fund their professional education and development.

 

1 LIMRA, Not-For-Profit Survey, Q4 2017 results based on 403(b) participants and contributions.

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Equitable believes that education is a key step toward addressing your financial goals, and we've designed this discussion to serve simply as an informational and educational resource; it does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option. Your needs, goals, and circumstances are unique, and they require the individualized attention of your financial professional. But for now, take some time just to learn more. 

Annuities issued by Equitable Financial Life Insurance Company (NY, NY) and co-distributed by affiliates Equitable Advisors, LLC and Equitable Distributors, LLC, New York, NY 10104.  The investments in this program are subject to investment risks, including possible loss of the principal invested.  They are not insured by the Federal Deposit Insurance Corporation nor are they deposits to, obligations of, or guaranteed by any bank. 

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