Tennessee Educators: What Will Your Retirement Income Actually Be

Tennessee Educators: What Will Your Retirement Income Actually BeTennessee Educators: What Will Your Retirement Income Actually BeTennessee Educators: What Will Your Retirement Income Actually Be

Tennessee Educators: What Will Your Retirement Income Actually Be

Tennessee Educators: What Will Your Retirement Income Actually BeTennessee Educators: What Will Your Retirement Income Actually BeTennessee Educators: What Will Your Retirement Income Actually Be

Most educators are unsure about their TCRS Pension Plan and Tennessee ORP.

Most educators are unsure about their TCRS Pension Plan and Tennessee ORP.Most educators are unsure about their TCRS Pension Plan and Tennessee ORP.Most educators are unsure about their TCRS Pension Plan and Tennessee ORP.Most educators are unsure about their TCRS Pension Plan and Tennessee ORP.

  •  Most educators don’t realize how their pension and retirement accounts translate into real monthly income. 

See My Retirement Income
Hi, I’m Aaron — I help Tennessee educators understand their retirement options.

Here’s What Retirement Income Could Look Like

Total Monthly Retirement Income: $6,068

Total Monthly Retirement Income: $10,041

Total Monthly Retirement Income: $10,041

 Additional annual income (up to 5 years for healthcare events): $22,484 

Total Monthly Retirement Income: $10,041

Total Monthly Retirement Income: $10,041

Total Monthly Retirement Income: $10,041

 Additional annual income (up to 5 years for healthcare events): $89,844

See My Retirement Income

Total Monthly Retirement Income: $7,065

Total Monthly Retirement Income: $10,041

Total Monthly Retirement Income: $7,065

 Additional annual income (up to 5 years for healthcare events): $29,784

 Hi, I’m Aaron


I previously worked for the Tennessee Department of Revenue and now help Tennessee educators understand how their pension and retirement accounts actually fit together.


I’ve personally been in one of these same retirement plans, so I understand how confusing the options can be — and what actually matters when it comes to your income in retirement.


Most people I speak with say they wish they had looked at this sooner. 

See My Retirement Income

This is for Tennessee educators who: 


 • Have an Optional Retirement Plan (ORP) and want to understand how it translates into income


 • Have a TCRS pension and want to know what their monthly income could look like 


 • Have accounts (TIAA, CREF, Corebridge, VALIC, etc.) and want to see how everything fits together 


See My Retirement Income

What We’ll Cover

• What your monthly retirement income could look like

• How your pension and other retirement accounts work together (401k, 403b, 457, ORP)

• When you can realistically retire

•Whether you’re on track — or what to adjust

Your retirement isn’t just one number — it’s how everything works together. That’s what we’ll walk through.

No cost. No pressure. Just clarity.

See My Retirement Income

Why Most Educators Haven’t Done This Yet:

• You chose your retirement plan during onboarding and haven’t revisited it 


• The system isn’t explained clearly 


• Multiple accounts make it hard to see the full picture

See My Retirement Income

TCRS Pension Explained

 This quick video will help you understand:

• The Tennessee Consolidated Retirement System
• What does Consolidated Mean?
• Legacy Plan vs Hybrid Plan

• What is Average Final Compensation

• How the Pension Payment is Calculated with Examples

• Employer and Employee Contributions

• Review Common Questions

• How to get Full Benefit

• Joint and Survivor Annuity Benefit Options

• Unused Sick Days

• Hybrid 401k

Aaron Payne  

Retirement & Legacy Planning  

(615) 362-4980  

www.apretirement.com

  Not affiliated with any school district, TCRS, or state system.  

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