Retirement Planning Resources for School Employees
Exclusively serving Texas K-12 school employees
With the RBFCU Retirement Program’s collection of resources designed for Texas K-12 school employees, you can create a plan that addresses your retirement goals and increases your overall financial well-being. Not a K-12 school employee? Visit RBFCU Investments Group.
View our videos | Read our articles | Attend our events | Use our calculators | FAQs | Contact us
Get better acquainted with the RBFCU Retirement Program and how we serve Texas K-12 school employees through this short collection of informative videos.
Welcome to the RBFCU Retirement Program
Discover the Value of Working with a Financial Advisor
Learn about our Educational Resources
With deep respect for the role that you play in preparing students for the future, we offer several original articles that Texas K-12 school employees can read to discover strategies to help.
Attend our events
In keeping with our commitment to educate Texas K-12 school employees about their financial choices, we offer webinars throughout the year for RBFCU members and non-members. See the RBFCU seminars and webinars page for upcoming events, when available.
Can’t attend a live webinar? Watch our on-demand webinars at any time.
Plus, we can also bring our informative retirement presentation to your campus for your team and colleagues.
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What will my income be after I retire?
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What will my expenses be after I retire?
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What is the difference between a 457(b) plan and a 403(b) plan?
Both types of plans are tax deferred, but the 457(b) lets you start withdrawing money from your account as soon as you stop working for the sponsoring employer, no matter your age. In certain situations — such as death, disability or an unforeseen emergency — withdrawals may also be allowed earlier if specific requirements are met.
Meanwhile, 403(b) plans allow standard, penalty-free withdrawals at age 59½, as well as limited early withdrawal exceptions.
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Can I transfer my 403(b) plan at any time?
Yes. If you are still employed, you may transfer your 403(b) between eligible 403(b) providers. If you are no longer employed or otherwise meet a qualifying event, you become eligible to roll funds over to an IRA or other eligible retirement plan.
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What if I’m interested in retirement planning — but do not work in K-12 education?
Individuals in search of financial planning strategies and solutions who are not currently employed in K-12 education may wish to visit RBFCU Investments Group, which serves RBFCU credit union members and non-members alike.
This page was last updated in April 2026.
DISCLOSURES
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
Be sure you understand the potential benefits and risks of an IRA rollover or transfer before implementing. As with any decision that has tax implications, you should consult with your tax adviser prior to implementing an IRA rollover or transfer.
Ameriprise Financial is not affiliated with the financial institution.
RBFCU Retirement Program, a financial advisory practice of Ameriprise Financial Services, LLC, is a division of RBFCU Investments Group LLC.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.