UTC ORP Participants: I used to work for the State of Tennessee

UTC ORP Participants: I used to work for the State of TennesseeUTC ORP Participants: I used to work for the State of TennesseeUTC ORP Participants: I used to work for the State of Tennessee

UTC ORP Participants: I used to work for the State of Tennessee

UTC ORP Participants: I used to work for the State of TennesseeUTC ORP Participants: I used to work for the State of TennesseeUTC ORP Participants: I used to work for the State of Tennessee

Schedule a 15-minute review

Most educators are unsure about their TN ORP and TCRS Pension.

Most educators are unsure about their TN ORP and TCRS Pension.Most educators are unsure about their TN ORP and TCRS Pension.Most educators are unsure about their TN ORP and TCRS Pension.Most educators are unsure about their TN ORP and TCRS Pension.

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

Watch 2-Minute Overview

Hi, I’m Aaron — I help Tennessee educators understand their retirement options.

Are You in the Tennessee ORP or TCRS Plan?

Optional Retirement Plan (ORP) Review

Full Video Below

TCRS Pension Review

Full Video Below

Most people don’t look at this until it’s too late

Small decisions now can significantly impact your retirement

Schedule a 15-minute review

Full Breakdown of ORP Planning and TCRS

ORP Participants

Find Out What Happens At Retirement

TCRS Participants

Find Out How it Really Works

Here’s What Retirement Income Could Look Like

Total Monthly Retirement Income: $10,041

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

Total Monthly Retirement Income: $8,110

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

Schedule a 15-minute review

Total Monthly Retirement Income: $6,068

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

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.

Schedule a 15-minute review

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

Schedule a 15-minute review

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.

Schedule a 15-minute review

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

Schedule a 15-minute review

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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