Pursue your financial future with confidence.
LET'S PLAN HOW®
Evaluate your retirement income potential.
We can help build a plan for where you are now and where you want to be.
We’ve been working with educators, like you, for over 165 years1 to help create strong financial foundations. By understanding your individual needs and priorities, we offer the resources and support to help you attain your long-term goals. It’s why we’re the #1 provider of 403(b) plans for K-12 schools for more than 10 consecutive years.2
Helping you pursue your vision
Learn how a 403(b) plan and working with a financial professional can help you realize your goals.
Value of the Advisor
Working with a financial advisor can help bring clarity by offering personalized guidance, keeping you focused on your long-term goals and supporting more informed decision-making along the way.
From navigating plan options to staying on track through market ups and downs, your Equitable Advisors Financial Professional can be a valuable partner in helping you make the most of your retirement strategy.
Confidence matters.
81% of educators with an advisor feel confident in meeting their retirement goals vs. 66% without one.3
Do you have a retirement plan through work?
Evaluate your retirement income potential using our retirement calculator. Make adjustments and add in other savings to see how changes affect your goals.
This informational calculator is not created, owned, or maintained by any Equitable Holdings, Inc. subsidiary, nor has it been determined in our own testing to be precisely accurate. Equitable Advisors and its affiliates make no representation as to the calculator's accuracy, completeness, or applicability with regard to any person's individual circumstances. The calculator provides only general estimates; its hypothetical results should not be relied upon as a basis for any financial, investment, or other decision or determination.
IMPORTANT NOTE: Equitable believes that education is a key step toward addressing financial goals, and we've designed this tool as an informational and educational resource, intended to facilitate the review of your current financial situation, based on information and assumptions provided by you. This discussion and any hypothetical results or information provided herein do not offer or constitute investment advice and make no direct or indirect recommendation of any insurance, investment, financial product or investment option. Equitable Holdings, Inc. subsidiaries do not provide tax or legal advice or services. Please consult with your tax and/or legal advisors regarding your particular circumstances. The needs, goals and circumstances of individuals are unique, and they require the individualized attention of a financial professional.
Frequently asked questions
A 403(b) plan for educators is a tax-advantaged retirement savings plan available to employees of public schools and certain nonprofit organizations. Similar to a 401(k), it allows you to contribute through payroll deductions and build savings for retirement while benefiting from potential tax advantages.
A 403(b) plan can complement other retirement income sources, such as a pension, by helping you save and invest for the future. Contributions are made directly from your paycheck, making it easier to save consistently and work toward your long-term retirement goals.
In many cases, yes. You may be able to adjust contributions based on your financial situation and plan rules. Adjusting your contribution amount over time can help you stay aligned with your retirement goals as your needs change.
Depending on your employer’s plan, contributions may be made on a pretax basis, which can reduce your current taxable income. Your savings can also grow tax-deferred until withdrawal, allowing your investments to potentially benefit from compounding over time.
You may be able to roll eligible assets from a former employer’s retirement plan into your current retirement account. A rollover can help consolidate your retirement savings and make it easier to manage your long-term financial strategy. Consider speaking with a financial professional to understand your options and any applicable rules.
1 This applies specifically and exclusively to Equitable Financial Life Insurance Company (Equitable Financial).
2 LIMRA, Not-for-Profit Survey, Q1 2026 Results, based on 403(b) plan participants and contributions. Survey results include Equitable Financial Life Insurance Company (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America) issued plans.
3 Equitable's value of the advisor study 2026.
4 National Center for Education Statistics.
Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve as an informational and educational resource. Accordingly, this webpage 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 and circumstances are unique, and they require the individualized attention of your financial professional.
Please be advised that this document is not intended as legal or tax advice. Accordingly, any advice provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Such advice was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor.
Equitable Advisors financial professionals offer securities through Equitable Advisors, LLC (member: FINRA, SIPC)(Equitable Financial Advisors in MI & TN). Annuity and insurance products, including those of affiliate Equitable Financial Life Insurance Company (Equitable Financial), (NY, NY), are offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, in UT as Equitable Network Insurance Agency of Utah, LLC, in PR as Equitable Network of Puerto Rico, Inc.
Products funding group retirement plans are issued by Equitable Financial Life Insurance Company, NY, NY. Equitable Financial and its affiliated companies do not offer tax or legal advice and are not affiliated with any school district, state agency or program. Co-distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC, all located at 1345 Avenue of the Americas, New York, NY 10105.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of America, an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.
© 2026 Equitable Holdings, Inc. All rights reserved.
GE-9011385.1 (7/26) (Exp. 7/30) (07/2026) (Exp. 07/2030)
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