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A 403(b) is a retirement savings plan available to employees of public schools, nonprofits, and certain churches. It can complement other retirement benefits, including a pension offered by your employer.
With a traditional 403(b), contributions are made on a tax-deferred basis, meaning you generally pay taxes when you withdraw the money. With a Roth 403(b), contributions are made with after-tax dollars, while qualified withdrawals may be tax-free.
A 457(b) plan is a supplemental retirement savings plan for employees of governmental and certain non-governmental organizations. Contributions are typically tax-deferred, meaning you pay taxes when you withdraw the funds.
Some plans also offer flexible access to funds through loans or qualifying emergency distributions. If your employer offers both a 403(b) and 457(b), you may be able to contribute to both and maximize your retirement savings.
For your state's Retirement System calculation and more details, please visit:
Alabama ...................................................................... www.rsa-al.gov/trs
Alaska ................................................................... doa.alaska.gov/drb/trs
Arizona ............................................................................. www.azasrs.gov
Arkansas ............................................................................. www.artrs.gov
California ....................................................................... www.calstrs.com
Colorado ......................................................................... www.copera.org
Connecticut .................................................................... www.ct.gov/trb
Delaware .................................................. www.delawarepensions.com
Florida .............................................................................. www.myfrs.com
Georgia ............................................................................. www.trsga.com
Hawaii ................................................................................ ers.ehawaii.gov
Idaho .................................................................................. persi.idaho.gov
Illinois ..................................................................................... www.trsil.org
Indiana ........................................................................... www.in.gov/inprs
Iowa ...................................................................................... www.ipers.org
Kansas ................................................................................ www.kpers.org
Kentucky .....................................................,.............................. trs.ky.gov
Louisiana ................................................................................ www.trsl.org
Maine ........................................................................ www.mainepers.org
Maryland ................................................................ www.sra.state.md.us
Massachusetts ...................................................... www.mass.gov/mtrs
Michigan .............................................. www.michigan.gov/orsschools
Minnesota .......................................................... www.minnesotatra.org
Mississippi ................................................................... www.pers.ms.gov
Missouri ................................................................... www.psrs-peers.org
Montana .................................................................. www.psrs-peers.org
Nebraska ............................................................................... npers.ne.gov
Nevada ............................................................................. www.nvpers.org
New Hampshire .................................................................. www.nhrs.org
New Jersey ......................................... www.nj.gov/treasury/pensions
New Mexico ................................................................... www.erb.nm.gov
New York .......................................................................... www.nystrs.org
North Carolina ..................................................... www.nctreasurer.com
North Dakota ........................................................... www.nd.gov/rio/tffr
Ohio ................................................................................... www.strsoh.org
Oklahoma ....................................................................... www.ok.gov/TRS
Oregon ................................................................. www.oregon.gov/PERS
Pennsylvania .................................... www.pa.gov/en/agencies/psers
Rhode Island ....................................................................... www.ersri.org
South Carolina ............................................................ www.peba.sc.gov
South Dakota .......................................................................... sdrs.sd.gov
Tennessee ............................................................... treasury.tn.gov/tcrs
Texas ............................................................................ www.trs.texas.gov
Utah ......................................................................................... www.urs.org
Vermont ............................................ www.vermonttreasurer.gov/vstrs
Virginia ............................................................................ www.varetire.org
Washington .................................................................... www.drs.wa.gov
Washington, D.C. ................................................................... dcrb.dc.gov
West Virginia .................................. www.wvretirement.com/TRS.html
Wisconsin ............................. etf.wi.gov/members/benefits _wrs.htm
Wyoming .............................. etf.wi.gov/members/benefits _wrs.htm
