Maximizing Your Retirement Accounts

Most educators have access to a 403(b) plan through their school district, which allows them to save additional dollars toward their long-term goals.

Depending on your district’s plan, a 403(b) may offer pre-tax and/or Roth contribution options—each with unique tax advantages. These accounts work in tandem with your pension to help you take greater control of your financial future while potentially reducing your taxable income during your working years.

As your career progresses and life circumstances evolve, it’s essential to regularly review your retirement accounts to ensure they’re still aligned with your goals. At Ohana Wealth Legacy, we take a deep dive into your existing retirement plans to evaluate their performance, structure, and suitability. Our goal isn’t to undo the good work you’ve already done—but to identify opportunities where small adjustments can lead to significant improvements in your overall financial strategy.