Independent Investment & Retirement Planning for NYS & NYC Public Employees
Tailored financial guidance for TRSNYC TDA, NYSTRS 403(b) / TSA accounts, NYS & NYC 457 Deferred Compensation Plans, and private wealth strategies.
Schedule Your Retirement ReviewRetirement Systems & Accounts We Serve
TRSNYC TDA & Roth TDA
Comprehensive guidance on navigating your pre-tax Tax-Deferred Annuity (TDA) and the newly introduced Roth TDA through the Teachers' Retirement System of the City of New York.
NYC educators now have the option to fund their TDA on a pre-tax or after-tax basis. Read our complete breakdown: TRSNYC's New Roth TDA: What NYC Teachers Need to Know Before They Enroll.
NYSTRS & District 403(b) / TSA
Strategic retirement planning for New York State school district employees managing Tax-Sheltered Annuity (TSA / 403(b)) options alongside their NYSTRS pension.
Explore our core NYSTRS 403(b) Services Page or read our deep-dive guide: Your NYSTRS 403(b): What Every NYS Teacher Should Know.
NYS 457 & NYC 457 Deferred Comp
Tax-advantaged voluntary savings for New York State and New York City public employees, civil servants, and agency personnel.
Whether participating in the New York State Deferred Compensation Plan (NYS 457) or the NYC Deferred Compensation Plan (NYC 457), these plans offer unique benefits—including penalty-free early withdrawals upon separation regardless of age. We help you evaluate investment lineups and catch-up contributions.
401(k), Individual & Private Wealth
Personalized wealth management beyond public sector retirement plans.
We assist individuals, families, and business owners with 401(k) rollovers and planning, Traditional & Roth IRAs, Rollover IRAs, taxable brokerage accounts, 529 college savings plans, and fee-based managed portfolios tailored to your long-term goals.
Frequently Asked Questions
What is the difference between a TRSNYC TDA and a NYSTRS 403(b)?
TRSNYC TDAs are administered centrally by the Teachers' Retirement System of the City of New York for NYC educators, offering fixed and variable Passport Funds. NYSTRS members in NY State school districts utilize 403(b) / TSA plans governed by district-specific vendor lists administered through third-party administrators like OMNI.
How does the New York 457 Deferred Compensation Plan differ from a 403(b)?
Both NYS/NYC 457 plans and 403(b) plans allow pre-tax and Roth contributions. However, 457 plans are not subject to the 10% IRS early withdrawal penalty if you separate from service prior to age 59½, making them a highly flexible tool for early retirement planning.
Can I contribute to both a 403(b) and a 457 plan in New York State?
Yes. IRS rules allow public employees to contribute up to the maximum allowable limit in both a 403(b) and a 457 plan simultaneously, effectively doubling your tax-advantaged annual contribution potential.