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Newburgh Enlarged CSD 403b & TSA Retirement Options
This resource guides Newburgh Enlarged City School District employees through the voluntary 403b options, Tax-Sheltered Annuities (TSA), and retirement planning benefits available through the district. For NYSTRS members, a 403b and a TSA refer to the exact same type of tax-advantaged account. These supplemental accounts are authorized by the district but managed by independent third-party providers.
Westchester Financial Partners provides independent pension optimization and 403b/TSA coordination for New York educators, serving Newburgh Enlarged CSD staff and other Orange County educators from our Tarrytown office.
Frequently Asked Questions About Newburgh Enlarged CSD TSA Plans
What is the difference between a 403b, a TSA, and a Roth 403b?
A 403b—frequently referred to as a Tax-Sheltered Annuity (TSA)—is a voluntary retirement account that allows eligible Newburgh Enlarged City School District employees to accumulate supplemental savings alongside their traditional NYSTRS pension. A traditional 403b uses pre-tax contributions to lower your current taxable income, with withdrawals taxed as ordinary income in the year received. Alternatively, a Roth 403b choice allows after-tax contributions, meaning your savings grow tax-deferred and qualified withdrawals are completely tax-free in retirement. Taxes and penalties may apply if funds are withdrawn prior to age 59½.
Authorized Newburgh Enlarged CSD 403b / TSA Investment Providers
Eligible staff can view the full menu of active 403b/TSA investment providers, plan fee structures, and download Salary Reduction Agreements via the official OMNI compliance portal assigned to Newburgh Enlarged City School District (Plan ID 379).
Want to maximize your NYSTRS pension alongside a 403b/TSA?
Navigating third-party investment menus and contribution limits can be complex. Schedule a structural review with a financial advisor at Westchester Financial Partners to strategically align your Newburgh Enlarged CSD 403b/TSA options with your specific pension tier.
Or speak with an advisor directly at: 914-809-5009