Let us do the homework for you
Let us do the homework for you
Welcome to our Educators Resource Center where we provide a wide array of informative articles and videos tailored for education professionals in Washington State.
Let us do the homework for you
Let us do the homework for you
Welcome to our Educators Resource Center where we provide a wide array of informative articles and videos tailored for education professionals in Washington State.
Educators Deserve a Bright Future
We understand the unique challenges that accompany a career in education, both within and beyond the classroom walls. We work with many hard-working education professionals who struggle to balance work responsibilities, tending to student needs, nurturing personal and family life, pursuing hobbies and interests, and staying involved in the community. We know that finding time to explore your financial options and plan for your future can be daunting and overwhelming.
The good news is that a career in education can provide a solid foundation for financial well-being and a comfortable retirement. We believe you deserve financial stability now and a meaningful, enjoyable, and secure retirement. That’s why we specialize in helping educators like you make informed financial decisions to manage your finances, grow your wealth, and secure your financial future.
Whether you’re a first-year teacher just getting started, mid-career balancing family responsibilities, or a veteran teacher planning for retirement, our dedicated team can help simplify your finances, clarify your goals, and create a personalized financial strategy that aligns with the life you envision.
Educators Deserve a Bright Future
We understand the unique challenges that accompany a career in education, both within and beyond the classroom walls. We work with many hard-working education professionals who struggle to balance work responsibilities, tending to student needs, nurturing personal and family life, pursuing hobbies and interests, and staying involved in the community. We know that finding time to explore your financial options and plan for your future can be daunting and overwhelming.
The good news is that a career in education can provide a solid foundation for financial well-being and a comfortable retirement. We believe you deserve financial stability now and a meaningful, enjoyable, and secure retirement. That’s why we specialize in helping educators like you make informed financial decisions to manage your finances, grow your wealth, and secure your financial future.
Whether you’re a first-year teacher just getting started, mid-career balancing family responsibilities, or a veteran teacher planning for retirement, our dedicated team can help simplify your finances, clarify your goals, and create a personalized financial strategy that aligns with the life you envision.
Long-Term Care
Preparing for retirement isn’t just about saving money; it’s about creating a lifestyle that supports your independence, comfort, and well-being for years to come.
We’ve developed a comprehensive guide to help you plan ahead with confidence and discover ways to stay in your home longer and maintaining your quality of life.
Visit our website on a desktop or tablet to explore practical insights, actionable tips, and local resources to help you navigate these key long-term care planning topics: living at home, health and wellness, financial essentials, staying connected, daily life, and medical care.
Living at Home
Staying Connected
Health & Wellness
Daily Life
Financial Essentials
Medical Care
Preparing for retirement isn’t just about saving money; it’s about shaping a lifestyle that supports your independence, comfort, and well-being in the years ahead.
Click on any of the topics below to explore practical insights, useful tips, and local resources you might not have considered. Each section is designed to help you plan ahead with confidence and discover ways to stay in your home for as long as possible.
Long-Term Care
The resources and links provided are from third-party providers and are offered solely for your convenience. We have not personally worked with or vetted these providers and services. We encourage you to conduct your own research, check reviews, and ensure they are a good fit for your specific needs.
Click on any question below to explore practical choices around aging in place, getting assistance, downsizing, and staying connected to loved ones and essential services.
Living at Home
Should I think about relocating to be closer to my family or to healthcare services I may need in the future?
How can I make my current home safer and more comfortable so I can continue living here as I age?
Is it time for me to hire help with cleaning, yard work, or home maintenance?
Should I move to a smaller, single-story home that might be easier for me to manage as I get older?
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Proximity to Everyday Support Matters
- Healthcare access: Being near trusted doctors and hospitals makes routine care easier and urgent care more accessible, especially if you have ongoing health concerns.
- Family and friends: Living closer to loved ones can offer daily companionship, help with errands or appointments, and a reliable support system if your needs change.
- Essential services: Easy access to grocery stores, pharmacies, senior centers, and public transportation can make day-to-day life simpler and more independent.
Relocation Affects Lifestyle, Belonging, and Connection. Ask Yourself:
- Will I feel connected? Think about how the move may affect your social ties, like neighbors, clubs, or favorite gathering places.
- Will I maintain what I enjoy? Consider whether you’ll be able to continue activities you love, such as gardening, walking, going to the gym, or attending worship services.
- Is the lifestyle a good fit? A warmer climate or slower pace might bring the comfort and relaxation you’re looking for in retirement.
Thinking About Relocating? It’s Emotional-But It Can Be Empowering
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Start with the Bathroom
- Install grab bars near the toilet and inside the shower
- Upgrade to a comfort-height toilet for easier use
- Consider a walk-in shower with a built-in bench for stability and comfort
Improve Entryways
- Add sturdy hand railings and no-step thresholds
- Install a ramp if needed to accommodate walkers or wheelchairs
- Use bright, motion-activated lights in hallways and stairways to reduce nighttime fall risk
Enhance Everyday Accessibility
- Replace round doorknobs and cabinet pulls with lever-style handles
- Choose non-slip flooring in high-traffic areas to reduce the risk of slips and trips
- Install smart home technology that controls lights, locks, security cameras, thermostat, and appliances remotely
Pro Tip: Hire a Certified Aging-in-Place Specialist (CAPS) or an occupational therapist to assess your home and suggest modifications that match your specific needs and budget.
Bonus Advice: Start building a relationship with a reliable home repair professional now. Look for someone who listens, respects your budget, and follows through. Ask friends, neighbors, or local community groups for trusted recommendations - you’ll thank yourself later.
Check Out These Resources:
Home Safety Upgrades That Make a Big Difference
Free PDF: Certified Aging-in-Place Specialist (CAPS) Directory
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Link: Aging in Place Remodeling Checklist
Link: Home Fall Prevention Checklist by the CDC
Support Inside the Home:
House cleaners handle tasks that can become more challenging over time, like scrubbing tubs, vacuuming stairs, or changing bed linens.
Help Around the Yard
Yard work can be physically demanding and, over time, even risky. Bringing in outdoor help is one of the simplest ways to protect your energy and prevent injuries.
Lawn care and pruning services can be scheduled weekly, biweekly, or as needed to keep your yard in good shape year-round.
Snow removal is essential for safety, especially on walkways, driveways, and steps. Consider setting up a seasonal contract ahead of winter.
Seasonal clean-up services, like leaf raking, gutter clearing, and debris removal, are often available as one-time visits or part of a bundled package.
Tip: Many companies offer year-round service plans, so you can set it and forget it, with peace of mind all year long.
Check Out These Resources:
Take Care of Your Home - Without Doing It All Yourself
Free PDF: Yard Maintenance Providers in WA State
Online Article: "Helping the Elderly Care for Their Yards During the Fall"
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Key Benefits of Downsizing:
- Lower Maintenance: A smaller home typically means less cleaning, fewer repairs, and fewer demands on your time and energy. Many condo or retirement communities also take care of yard work and exterior maintenance, so you can focus more on what matters most, such as relaxation, hobbies, or travel.
- Better Access to Care: Choosing the right location can bring you closer to trusted doctors, specialists or hospitals, and may even shorten emergency response times. For many, it also means being closer to family or a support network, which can be invaluable as you age.
- Convenient Services: Walkable neighborhoods near grocery stores, pharmacies, walking trails, and community centers support independent living and make everyday tasks easier, without relying heavily on a car.
- Financial Flexibility: Selling a larger home while the market is favorable can free up significant equity. This can be used to fund healthcare, travel and leisure activities, long-term care insurance, or simply to provide financial security in retirement.
A Smart Move Before It Becomes Necessary
Even if you're mobile and comfortable now, planning ahead gives you control over the process. Downsizing on your own terms, rather than during a health crisis or under time pressure, allows you to explore options, choose a home that fits your lifestyle, and move when it feels right.
Tip: Moving early means more choices, less stress, and a better chance to fully enjoy your next chapter.
Note: It is important to work with professionals because a competitive housing market or unexpected price fluctuations can affect the success of your downsizing plan. Unexpected expenses such as real estate fees, closing costs, and potential capital gains taxes may also arise.
Why Downsizing Makes Sense: More Than Just a Smaller Space
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Click on any question below to explore tips and trusted resources to help you maintain your health, independence, and peace of mind throughout retirement.
Health and Wellness
What can I do to stay active, mobile, and independent as I get older?
Would a gym membership be beneficial for me? What is the SilverSneakers program?
Should I hire a grocery shopper, or would grocery delivery services meet my needs?
Can my prescriptions be delivered directly to my home?
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Can I receive physical therapy services in my own home?
Group fitness classes like gentle yoga, tai chi, or SilverSneakers are not only great for balance, strength, and flexibility, they also provide valuable social connection and motivation. Exercising with others can help build routine and make staying active more enjoyable.
Senior-friendly gyms often feature quiet hours, low-impact equipment, and trained staff to ensure a safe and comfortable experience for older members.
Prefer something easier on the joints? Water-based options like aqua aerobics and pool therapy provide low-impact movement that can relieve joint pain, improve mobility, and support overall wellness, without added strain.
One great resource is SilverSneakers, a free fitness program available through many Medicare Advantage plans. It gives older adults access to thousands of gyms and fitness centers nationwide, along with group classes, senior-friendly equipment, and even online workouts, making it easy to stay active and connected from home or in the community.
Tip: Check your Medicare Advantage plan to see if SilverSneakers is included. Whether at the gym, in a pool, or from the comfort of home, staying active can be a powerful way to feel strong, confident, and connected in retirement.
Check Out These Resources:
Gym Memberships in Retirement: Fitness, Friendship, and Flexibility
Link: Check SilverSneakers Eligibility
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Online Article: Benefits of Swimming for Seniors
Link: YMCAs Senior Programs in Snohomish County
Personal Shoppers: Friendly, Hands-On Help
Personal shoppers can do the shopping for you, based on your preferences and needs. Many also offer help with unloading bags, putting groceries away, or even assisting with meal planning. It’s a great option if you'd appreciate a little extra support at home.
Grocery Delivery: Shop From the Comfort of Home
Services like Instacart, Amazon Fresh, and Walmart+ let you order groceries online with just a few clicks. You can schedule deliveries when it's most convenient - same day, weekly, or as needed. Most platforms also let you save a “favorites” list, so reordering is fast and easy.
Discounts and Payment Options
Some delivery services accept EBT or offer senior discounts. Be sure to check what's available in your area; eligibility and pricing may vary.
Tip: If you're unsure where to start, try placing a small online order as a trial. You can then decide if regular deliveries or the help of a personal shopper fits your routine best.
Smart Grocery Solutions for Retirees: Save Time and Energy
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Free Delivery from Trusted Pharmacies
Major chains like Walgreens, Walmart, and CVS offer free prescription delivery, and many local independent pharmacies do as well. Depending on where you live, delivery may be available the same day or within just a few days.
This service is especially helpful if getting to the pharmacy is difficult, you prefer to avoid crowded places, or you're managing several medications each month and want to reduce the stress of regular pickups.
Mail-Order Pharmacies: Fewer Refills, Less Hassle
Mail-order prescription services-often available through Medicare or private insurance-allow you to receive a 90-day supply of routine medications.
This can save time, reduce trips to the pharmacy, and often lower out-of-pocket costs. With features like automatic refills and home delivery, mail-order makes it easier to stay on schedule with your medications and maintain peace of mind.
Tip: Talk to your doctor, pharmacist, or Medicare plan provider to find out which delivery or mail-order options are available. Setting it up is usually quick and can make a big difference in your routine.
Simplify Your Prescriptions: Convenient Delivery Options for Retirees
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What Is In-Home Physical Therapy?
A licensed physical therapist comes to your home to provide personalized care in a familiar setting. Whether you're recovering from a fall, surgery, or a hospital stay, in-home PT can help improve your strength, balance, flexibility, and ability to move safely.
Because sessions are one-on-one, your therapist can tailor exercises to your specific needs, using items and spaces in your home to support your recovery.
What’s Covered by Medicare?
Medicare typically covers short-term, skilled in-home therapy when ordered by a doctor and provided through a certified home health agency. It’s most commonly approved after an illness, injury, or hospitalization.
Keep in mind that long-term or ongoing therapy isn't usually covered unless paid for privately or through additional insurance.
Tip: If you think you might benefit, talk to your doctor about a referral. It’s a simple step that can make recovery easier and help you stay strong at home.
In-Home Physical Therapy: Convenient Care in the Comfort of Home
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Click on any question below to explore important financial considerations for retirement, especially ones that often get overlooked.
Financial Essentials
Do I have enough for rising healthcare costs?
If I need long-term care, will my pension be enough to pay for it?
What's the average cost of in-home care versus managed or residential long-term care?
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Medicare Has Gaps
Although Medicare helps with many medical expenses, it doesn't cover everything. Retirees can expect to pay out of pocket for services such as dental care, vision exams, hearing aids, and many prescription medications. These costs can add up quickly and catch retirees off guard if not accounted for in advance.
Healthcare Costs Rise Faster Than Inflation
Unlike general inflation, healthcare inflation tends to grow at a much faster rate. That means your retirement savings need to be able to outpace this rise over time. Simply saving a fixed amount may not be enough; your financial plan should include strategies for managing these increasing expenses year after year.
Proactive Planning Tools Can Help
If you're still working and eligible, contributing to a Health Savings Account (HSA) can be a smart way to set aside tax-advantaged funds specifically for future healthcare needs. Alternatively, consider earmarking a portion of your retirement savings as a dedicated “healthcare bucket” to prepare for out-of-pocket costs not covered by insurance.
Tip: Most retirees underestimate how much they’ll spend on healthcare. Working with a financial planner can help you project your future medical expenses more accurately and build a plan that supports your long-term health and financial security.
Check Out These Resources:
Preparing for the Real Cost of Healthcare in Retirement
Free PDF: Expense and Budgeting for Retirement Worksheet
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Link: Explanation of What Medicare Doesn't Cover
Link: Healthcare Expense Estimator from Fidelity
Pensions and Medicare May Not Be Enough
While your pension may cover your day-to-day expenses, it likely won't stretch far enough to handle the rising costs of long-term care. Similarly, Medicare provides limited coverage, primarily short-term rehabilitative services, but does not cover most custodial or extended care services.
The Costs Add Up Quickly
Whether it’s assisted living, in-home caregivers, or a skilled nursing facility, long-term care can cost thousands of dollars each month. Without proper planning, these expenses can quickly deplete your retirement savings or create a financial burden for loved ones.
Bridge the Gap with Smart Insurance Strategies
To help manage this risk, many individuals explore long-term care insurance or hybrid life insurance policies with LTC riders, which offer flexibility and potential financial protection if extended care is needed later in life.
Stress-Test Your Plan
Even if your pension comfortably covers your current lifestyle, it’s essential to stress-test your retirement plan for potential future care needs. What would happen if your health changed or a sudden care need arose? Planning for this possibility now can prevent stress and limited choices down the road.
Check Out These Resources:
Planning for Long-Term Care: Don't Let It Catch You Off Guard
Free PDF: Healthcare & Long-Term Care Readiness Guide
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Free PDF: Long-Term Care Planning Conversation Worksheet
Free PDF: Comparing LTC Insurance Premiums vs. Out-of-Pocket Costs
Below is a general cost breakdown for long-term care services in Washington State:
- In-Home Care (non-medical support): $30–$40 per hour. Services typically include help with daily activities like bathing, dressing, meal preparation, and light housekeeping.
- Assisted Living: $4,000–$6,000 per month. This includes housing, meals, basic personal care, and limited medical support in a community setting.
- Memory Care: $6,000–$8,000+ per month. Specialized care for individuals with Alzheimer’s or other forms of dementia, typically within a secure wing of an assisted living facility.
- Nursing Home (Private Room): $9,000–$11,000 per month. Provides 24/7 skilled nursing care for individuals with complex medical needs or those recovering from serious illness or surgery.
Keep in Mind: These figures are averages, and actual costs can vary significantly based on location, provider, and the level of care required. Urban areas often carry higher price tags, and specialized services can increase costs further.
Proactive Planning Pays Off
It’s wise to research local providers and pricing in advance, even if you don’t expect to need care soon. Being informed now helps avoid rushed, emotionally driven decisions later, and gives you time to explore insurance options, savings strategies, or potential family support.
Tip: Use these numbers to stress-test your retirement budget. Ask yourself: What would change financially if you or your spouse needed long-term care for two to three years, or longer? Planning for these possibilities now can protect your financial stability and ensure access to the quality care you may need later.
Check Out These Resources:
The Cost of Care in Washington State: What You Need to Know
Free PDF: Cost Comparison Chart for WA In-Home vs. Facility Care
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Free PDF: Care Needs Checklist: "How to Know When It's Time for More Help"
Online Article: Creative Ways to Pay for Senior Home Care
The Importance of Routine and Connection
Establishing simple routines that include regular social contact—whether it’s weekly phone calls, coffee meetups, or video chats—can boost your mood, reduce stress, and keep your mind sharp and engaged.
Easy Ways to Stay Connected:
- Schedule weekly calls or visits with family and close friends to stay emotionally connected.
- Join local clubs or activities at senior centers, libraries, or community centers - like book groups, gardening clubs, or gentle exercise classes.
- Attend community events such as outdoor concerts, educational workshops, or church gatherings to meet new people and enjoy shared experiences.
- Explore companion services like volunteer visitor programs or friendly calling services, which are especially helpful if you have limited mobility.
- Volunteer your time and talents, which not only helps others but also provides a meaningful way to stay connected and engaged.
Tip: Start small - reach out to one person this week, attend one new event, or try one group activity. Building regular social connections can help you feel more supported, active, and fulfilled in retirement.
Check Out These Resources:
Staying Social in Retirement: Why It Matters and How to Connect
Free PDF: Life and Purpose Worksheet
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Link: WA State Senior Centers Directory
Online Article: How Companion Care Stimulates Socialization for Seniors
Why Staying Connected Matters
Strong family relationships provide emotional support, companionship, and a sense of belonging. They can help reduce feelings of loneliness and boost mental health. Being engaged with loved ones also creates shared memories, keeps you involved in life’s milestones, and offers opportunities to both give and receive care.
Simple Ways to Stay Connected
Maintaining family bonds doesn’t have to be complicated. Here are some easy, effective ways to keep those connections strong:
- Schedule Regular Calls or Video Chats: Set a weekly or biweekly time to catch up via phone or video apps like Zoom or FaceTime. Seeing familiar faces keeps relationships vibrant, even from afar.
- Plan Family Activities: Organize casual get-togethers, such as shared meals, game nights, or outings to parks or museums, to enjoy quality time together.
- Celebrate Special Occasions: Make a point to connect on birthdays, anniversaries, and holidays, whether in person or virtually, to create meaningful traditions.
- Share Updates and Photos: Use group texts, emails, or social media to share daily moments, achievements, or fun photos; keeping everyone in the loop.
- Offer Help and Ask for Support: Stay engaged by offering to assist with errands or childcare, and don’t hesitate to ask family for help when needed; it strengthens mutual care and trust.
Remember: Small consistent efforts can make a big difference in keeping family close.
Staying Close to Family in Retirement: How to Stay Connected
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Why Volunteering Matters
Volunteering doesn’t just help others; it also benefits you. It can boost mental well-being, keep your mind active, and offer a renewed sense of identity after leaving the workforce. Many retirees say this chapter of life feels more fulfilling when they’re making a positive impact.
Ways to Get Involved
- Tutor or mentor students through local schools or after-school programs.
- Support food banks, libraries, or community centers by helping with events or daily tasks.
- Volunteer at hospitals, museums, or places of worship, offering your time and presence.
- Help with community gardening or beautification projects
- Assist with meal delivery or transportation for seniors
Virtual Volunteering Is an Option
If you prefer to stay home or have limited mobility, virtual volunteering offers meaningful ways to give back. You can mentor or tutor students online, share encouragement, or write letters to isolated seniors or hospitalized children. Those with professional skills can also support nonprofits remotely with writing, admin tasks, or fundraising.
Tip: Think about the causes you care most about, then check with your local senior center, library, or find a Retired Senior Volunteer Program (RSVP) near you. Volunteering is a rewarding way to stay active, connected, and purposeful in retirement.
Check Out These Resources:
Volunteering in Retirement: Find Purpose, Connection, and Joy
Link: Retired Senior Volunteer Program (RSVP) Directory
Link: Volunteer Opportunities with Meals on Wheels
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Use Your Experience in New Ways
For retired educators, the skills you built over a lifetime are still in demand. You might consider becoming a private tutor, mentoring new teachers, or working as a curriculum consultant. Others find satisfaction as education advocates, helping shape policies or supporting programs that benefit students and schools.
Explore Interest-Based Roles
If you're ready for something different, look for part-time or flexible roles in areas you're passionate about. Museums, libraries, community centers, and nonprofits often welcome retirees for roles that range from public engagement to behind-the-scenes support. These positions keep you connected to the community while letting you explore new interests.
Try Remote or Freelance Work
Remote and freelance opportunities have grown significantly in recent years, giving retirees more options than ever. From editing, writing, and administrative work to online teaching or customer service, many roles can be done from home on your schedule. This flexibility allows you to work as much, or as little, as you want, without giving up the freedom retirement offers.
Tip: Start by thinking about what you enjoy, then explore opportunities that align with your interests and availability. A part-time role or project can add just the right balance of purpose, connection, and income in retirement.
Check Out These Resources:
Working in Retirement: Meaning, Money & Mental Sharpness
Link: Implications of Working After You Retire Information by the Washington Education Association
Link: Explore Encore Career Options for Experienced Professionals
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Click on any question below to explore how to build structure, purpose, and emotional well-being into your retirement routine.
Daily Life
What can I do to prepare for and manage the emotional ups and downs of retirement?
How can I stay motivated and make the most of my days in retirement?
Could I benefit from help with technology like online banking or smart home tools?
What should I try if retirement isn’t feeling as rewarding as I hoped?
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You Are More Than Your Job Title
Retirement is a valuable opportunity to reconnect with parts of yourself that may have taken a backseat during your working years: your interests, values, and creative energy. Take time to reflect on who you were before you became a teacher and consider who you want to become in this next chapter.
Stay Connected and Engaged
Many retired educators find renewed purpose through volunteering, mentoring, pursuing creative interests, or simply spending more time with loved ones. Whether you're guiding young learners in a new way or exploring hobbies you once set aside, the key is to remain curious and open to roles that bring meaning and connection.
Give Yourself Time to Adjust
Like any major life change, transitioning into retirement can bring emotional challenges, especially in the first 6 to 12 months. Be mindful of signs of grief, loneliness, or depression, and don’t hesitate to seek support. Conversations with fellow retirees or a counselor can provide valuable perspective and reassurance.
Create Structure with Gentle Routines
Creating routines and setting small, meaningful goals can help ease the adjustment and bring structure to your days. Retirement isn’t an end - it’s a new beginning, with space to grow, explore, and define this next chapter on your own terms.
Tip: Start each day by setting one small, achievable goal that aligns with your interests or values, whether it’s calling a friend, taking a walk, working on a hobby, or volunteering. Keeping a simple daily journal to track these goals can help you build new routines and maintain a sense of purpose throughout your retirement journey.
Embracing Your New Identity: Navigating Retirement for Educators
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Create a Light Daily Structure
You don’t need a rigid schedule, but having a loose framework to your day can be grounding. Simple habits like a morning walk, mid-morning coffee, afternoon reading, or evening stretching can add rhythm and predictability. These routines offer mental cues that help the day feel steady and satisfying.
Rotate Your Focus
To keep life in retirement varied and meaningful, try rotating your focus. Dedicate different days to areas like physical health (walks or gentle exercise), creativity (writing or crafting), connection (calls or volunteering), and relaxation (gardening or reading). Shifting focus helps you nurture different parts of yourself and keeps each day feeling fresh.
Use Simple Tools for Structure
Weekly planners, calendars, or habit trackers can make a big difference. These tools don’t just help you stay organized; they also give you a sense of flow, accomplishment, and something to look forward to. Even checking off small daily goals can boost motivation and reinforce a positive routine.
Tip: Start by adding just one or two regular activities to your week. Over time, these small anchors can create a meaningful rhythm that supports your health, happiness, and sense of purpose in retirement.
Finding Your Rhythm in Retirement: Simple Structure Without Stress
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Focus on What Matters to You: You Don’t Need to Master Everything
The good news is, you don’t need to become an expert on every gadget or app. Instead, focus on learning the technologies that make the biggest difference in your daily life. Many retirees find that using a simplified smartphone, a smart speaker like Alexa or Google Home, or setting up auto-pay for bills can provide convenience and peace of mind with minimal effort.
By prioritizing just a few tools, you can gain confidence and enjoy the benefits of technology without feeling overwhelmed.
Get Tech Support at Your Own Pace
If technology feels overwhelming, help is available. You can hire a tech tutor for one-on-one guidance or attend free classes at local senior centers or libraries to learn practical skills with peers.
Online, Senior Planet (AARP) offers free interactive classes on smartphones, social media, and more - all at your own pace. For personalized, free support, Cyber-Seniors connects you with volunteers who provide patient one-on-one tutoring.
Tip: Pick one or two tools that interest you and explore these support options. With the right help, technology can boost your independence and confidence.
Check Out These Resources:
Tech Supporting Safety, Independence & Connection in Retirement
Link: Free Online Classes Offered by Senior Planet for Seniors
Link: Free Tech Help Offered by Cyber Seniors
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Explore Old and New Passions
Retirement gives you the freedom to revisit old hobbies or try something new. Maybe it’s woodworking, gardening, painting, or music. Or perhaps you’re ready to explore something different, such as learning a language, joining a choir, or taking a photography class. The goal isn’t perfection; it’s enjoying the process.
Stay Socially Connected
Strong social ties are key to health and happiness. Meet friends for coffee, join a club, volunteer, or attend local events. Even if travel or mobility is difficult, online communities can offer a real connection and support.
Focus on Engagement, Not Just Activity
There’s a big difference between staying busy and staying engaged. True fulfillment comes from doing what matters, whether that’s mentoring, learning, or giving back. Choose activities that keep you mentally and emotionally involved in meaningful ways.
Tip: Write down three things you’ve always wanted to try but never had the time for. Pick one and take a small first step, like finding a local class, ordering a book, or reaching out to someone with experience. Small steps often lead to big joy.
Check Out These Resources:
Rediscovering Purpose and Joy in Retirement
Link: Classes and Workshops for Older Adults by GetSetUp.io
Link: Learning Based Travel Experiences for Retirees by RoadScholar
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Click any question below to help you make informed decisions and ensure your medical care supports your health and well-being in retirement.
Medical Care
What Medicare options are available to me, and how do I choose the right one?
Would having a doctor who specializes in geriatric care be helpful for me?
Are there services that can check in on me or help with daily care at home?
What memory care options are available to support me or my loved ones?
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Original Medicare: What’s Covered-and What’s Not
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). It covers many essentials like hospital stays, doctor visits, and preventive care, but it doesn't cover everything. Notably, it doesn’t include prescription drug coverage, so many retirees add a Part D plan for medications. It also doesn’t cover services like dental, vision, hearing, or long-term care. To help control costs such as deductibles and co-pays, many people add a Medigap (supplemental insurance) policy.
Medicare Advantage: A Bundled Option
Medicare Advantage (Part C) is provided by private insurers and usually combines Part A, Part B, and often Part D into a single plan. Many also include additional benefits like dental, vision, or fitness programs. However, these plans typically use provider networks, so you may need to stay within a set group of doctors and facilities. If keeping your current provider is important, be sure to check their participation before switching.
In-Home Care vs. Inpatient Facility Coverage
Medicare covers some in-home care, such as part-time nursing or therapy, if it’s medically necessary and ordered by a doctor. But it doesn’t cover long-term personal care like help with daily living tasks. Inpatient care in a skilled nursing facility is covered under Part A, but only after a qualifying hospital stay and for a limited time. Understanding these limitations is important when planning for future care needs.
Reviewing and Changing Plans
Medicare plans can change, and so can your needs. During Open Enrollment (October 15–December 7), you can review and update your plan. Ask yourself: Are your doctors still in-network? Are your prescriptions covered? Has your health situation changed?
Bottom Line
The right Medicare plan can make a big difference in your quality of care and financial peace of mind. Take time to explore your options and make informed choices based on your health needs and priorities. With a little planning, Medicare can work well for your retirement lifestyle.
Understanding Medicare: What Every Retiree Should Know
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How Geriatricians Support Healthy Aging
Geriatricians understand the physical and mental changes that can occur later in life. They help manage medications safely, ensuring treatments don’t conflict or cause harmful side effects. They also address memory and cognitive concerns, assist with improving mobility and balance, and treat chronic conditions such as diabetes, arthritis, and heart disease. Most importantly, their care focuses on helping you stay independent, active, and well, so you can enjoy life with confidence and peace of mind.
Whole-Person, Coordinated Care
Geriatricians look at your overall health, not just individual symptoms. They take into account your physical health, mental well-being, and lifestyle to create a plan that fits your life. They also help coordinate care among specialists, making sure treatments and medications work together, and align with your personal goals.
Care That Fits Your Lifestyle
Geriatricians offer convenient telehealth visits, work through senior-focused clinics that understand the unique needs of older adults, and provide connections to local support services. Even if you’ve been seeing the same doctor for years, a geriatrician can offer added insight and guidance as your health needs evolve with age.
Tip: Ask your current doctor if a geriatrician should be part of your care team, or search for a local geriatrician or senior-focused clinic near you. Even one consultation can help you better manage medications, coordinate care, and plan for the future.
Caring for the Whole You: The Role of a Geriatrician
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Everyday Support with Non-Medical Home Care
Non-medical home care aides assist with daily tasks such as personal hygiene, meal preparation, light housekeeping, and companionship. Beyond practical help, they offer valuable social interaction that can reduce feelings of loneliness and help you stay engaged with life.
Professional Care for Advanced Needs
When health needs become more complex, home health services can provide skilled nurses, physical therapists, or occupational therapists. These professionals help with medical tasks like medication management, wound care, and rehabilitation, enabling you to receive expert care without leaving your home.
Technology-Enabled Check-Ins
For added convenience and reassurance, many services now offer video-based check-ins or daily phone calls. These options allow you or your family to stay connected and monitor well-being remotely, providing support even when in-person visits aren’t possible.
Tip: Set up daily check-ins, whether through a friendly phone call, video chat, or a home care service, to stay connected and ensure your safety while living independently.
Check Out These Resources:
Staying Independent: In-Home and Virtual Care Solutions
Link: Proactive Planning Podcast Series by Aging Wisdom
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Link: Collection of Articles and Tips for Caregivers and Families of Seniors Living Independently by Visiting Angels
Link: Family Resource Home Care Services in the Pacific Northwest
Free PDF: Care Needs Checklist: "How to Know When It's Time for More Help"
Support at Home in Early Stages
In the early stages of memory loss, in-home care can be a practical and comforting option. With support from care managers or trained caregivers, many older adults can continue living safely and independently at home. Help may include medication reminders, assistance with meals or appointments, and regular safety check-ins. This personalized care eases stress for both the individual and their family while providing time to plan for the future.
Exploring Memory Care Communities
As memory loss progresses, more structured care may be needed. Memory care communities are designed specifically for individuals with Alzheimer’s or other types of dementia. These communities offer 24/7 supervision, specialized staff, and daily routines that promote safety, reduce confusion, and improve quality of life. Many families find peace of mind knowing their loved one is in an environment tailored to their needs, with social engagement and ongoing support.
Watch for Early Warning Signs
Knowing when to seek help is important. Signs to watch for include frequent forgetfulness, trouble managing medications, confusion with time or place, getting lost in familiar areas, and wandering or agitation. If you notice any of these changes, it’s important to speak with a healthcare provider. The sooner you act, the more support and planning options will be available to you.
Tip: Notice memory changes? Track symptoms and talk to your doctor early. Explore in-home care and memory care communities to plan ahead. Early action helps.
Stay Ahead of Memory Loss with the Right Support
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Travel & Hotels
As an educator, every dollar counts. Your NEA membership comes with a wide range of exclusive savings that can make a real difference in your everyday life. Explore some of the top perks and hidden gems below.
NEA Member Discounts
Save More, Plan Better
Hidden Gems
Top Discounts
Save on vacations, weekend getaways, and car rentals - perfect for recharging without breaking the budget.
Insurance
Access discounted rates on auto, home, and life insurance to protect yourself and your family.
Entertainment & Retail
Enjoy reduced prices on theme parks, movie tickets, and major retailers.
Technology
Discounts on computers, software, and accessories help you stay productive and connected.
Discounts on gym memberships, mental health apps, and holistic health services.
Save on certifications, workshops, and online courses to advance your career.
Discounts on groceries, office supplies, and home improvement products help stretch your budget.
Deals on cultural events, local attractions, and NEA member-only experiences for affordable enrichment.
Health & Wellness
Professional Development
Everyday Essentials
Special Experiences
Discover all NEA member benefits and learn how to take advantage of them on the page.
NEA Member Benefits
Membership websites are third-party sites that are unaffiliated with Clarity Financial Advisors.
Professional Growth & Learning
The Washington Education Association (WEA) offers programs and resources designed to help educators grow professionally and feel supported throughout their careers.
WEA Member Benefits
WEA offers low or no-cost professional development opportunities, including educator-led workshops, clock-hour courses, and support for National Board Certification. These programs help members stay current and continue growing in their careers.
Support for professional challenges. WEA connects members with UniServ staff and local representatives to clarify questions on evaluations, student issues, or contract language and guide them to appropriate resources.
WEA members have access to legal and informational resources for support when needed. The Attorney Referral Program offers two free 30-minute consultations each year and discounted rates for services such as wills and real estate matters.
WEA locals and affiliates offer grants and scholarships support educators, which may include:
• Certification or degree program assistance
• Classroom materials or student project funding
• Support for professional workshops or conferences
Discover all WEA member benefits and learn how to take advantage of them on the page.
WEA Member Benefits
Workplace & Employment Guidance
Legal Resources & Personal Support
Educator Grants & Scholarships
Membership websites are third-party sites that are unaffiliated with Clarity Financial Advisors.
Step 1: Confirm Your Eligibility
Eligible K–12 educators can deduct up to $300 in unreimbursed classroom expenses on their federal income taxes,
or up to $600 total for married educators filing jointly. This deduction applies even if you take the standard deduction.
Deducting Classroom Expenses: A Step-by-Step Guide
• Work as a teacher, instructor, counselor, principal, or aide in a K-12 school
• Are employed by a state-recognized elementary or secondary school
• Work at least 900 hours during the school year (substitute teachers included)
Step 2: Track Your Eligible Expenses
• Books, supplies, and learning materials
• Computer equipment, software, and related services
• Professional development courses tied to your teaching
• Equipment and materials that support student learning
• Athletic supplies for P.E. classes
Step 3: Keep Good Records
Save receipts, order confirmations, or credit card statements showing what you purchased and when.
Only claim expenses that you personally paid for and were not reimbursed by your school, district, or another source. Keeping clear records throughout the year helps ensure your deduction is accurate and easy to document at tax time.
Step 4: Claim Your Deductions
• Report your total eligible expenses on Schedule 1 (Form 1040)
• If married filing jointly, remember each spouse can claim up to $300
For additional details about what classroom expenses qualify and how to claim the deduction, visit the page for official guidance and examples.
IRS Educator Expense Deduction
Public Service Loan Forgiveness (PSLF)
Managing student loan debt while making an impact as an educator can be challenging. Fortunately, there are federal programs that help teachers and public service employees reduce or eliminate student loan debt. Below is an overview of the most relevant programs for educators:
Student Loan Forgiveness Options for Educators
• Full-time employees of government or qualifying non-profit organizations, including public K–12 schools.
• You must have federal Direct Loans (or consolidate other federal loans into a Direct Loan).
• Employer must be a government agency, a 501(c)(3), or a nonprofit providing qualifying public services.
• You must be working for a qualifying employer when applying for forgiveness.
Who Qualifies:
General Information:
Forgiveness Amount:
• Remaining Direct Loan balance is forgiven after 120 qualifying payments.
• Forgiven amounts are not currently considered taxable income.
• Requires 120 qualifying monthly payments under an income-driven repayment plan (IBR, PAYE, or REPAYE).
• Only payments made after October 1, 2007 count toward forgiveness.
• Use the PSLF Help Tool to confirm employer eligibility and track progress, visit StudentAid.gov/pslf.
Teacher Loan Forgiveness (TLF)
Who Qualifies:
• Highly qualified teachers who work full-time in elementary or secondary education for five consecutive years
in a low-income school or educational service agency.
• You must have federal Direct, Stafford, or FFEL loans.
General Information:
• You must complete five full, consecutive academic years of qualifying teaching service before applying
for forgiveness.
• You must meet basic “highly qualified” requirements, with additional criteria depending on grade level
and teaching experience.
• For eligibility details, a list of qualifying schools, and the application form, visit StudentAid.gov/teach-forgive.
Forgiveness Amount:
• Up to $17,500 for highly qualified secondary-level math or science teachers, or special education teachers.
• Up to $5,000 for other highly qualified full-time elementary or secondary education teachers.
• Forgiven amounts are not currently considered taxable income.
Perkins Loan Cancellation
Who Qualifies:
• Full-time teachers who work in a low-income school or in a designated teacher-shortage area (such as
special education, math, science, or bilingual education).
• You must have Federal Perkins Loans.
General Information:
• A portion of your loan is cancelled for each full year of qualifying teaching service.
• You do not have to make payments while performing qualifying service - your loan is cancelled gradually.
• Cancellation increases with each consecutive year of service (up to 100% after five years).
• Contact the school that issued your Perkins Loan or its loan servicer to apply for cancellation.
• More details are available at StudentAid.gov/perkins.
Forgiveness Amount:
• 15% cancelled after the 1st and 2nd years.
• 20% cancelled after the 3rd and 4th years.
• 30% cancelled after the 5th year.
• Cancelled amounts are generally taxable, unlike PSLF and TLF.
Financial Security: Freedom to Choose
Retirement isn’t just the end of work; it’s an opportunity to invest in the life you truly want. While financial security provides a foundation, a fulfilling retirement comes from also investing your time, energy, and attention in what matters most: purpose, health, relationships, and meaningful activity. A retirement that blends security, purpose, and connection is one where you feel free, engaged, and fulfilled every day.
Beyond the Paycheck: Investing in What Matters Most in Retirement
Financial security is often the first concern in retirement planning, and for good reason. Having enough resources lets you pursue hobbies, travel, volunteer, or explore new experiences. But money alone isn’t enough. A fulfilling retirement combines security with purpose and connection, making your days meaningful, not just stable.
Purpose: Living a Full and Meaningful Life
Retirement is a time to nurture your health, interests, and sense of meaning, creating a life that feels engaging and rewarding every day. This approach ensures retirement is not just free time; it’s a season of growth, engagement, and fulfillment.
Staying active helps you remain capable and sharp. Exercise, take walks, try new hobbies, or challenge your mind with puzzles and learning. Healthy habits give you the energy to enjoy every day.
Overall Health
Interests & Hobbies
Meaning & Growth
Engage in activities that challenge your mind and provide a sense of accomplishment, such as creating art, mentoring, or volunteering, pursuits that build on your skills and interests.
Focus on activities that reflect your values. Engaging in meaningful ways through learning, creativity, or contribution fills the “void” left by work and makes retirement feel rich and rewarding.
Even a few meaningful social interactions each week can dramatically improve emotional and physical well-being. Retirement often requires intentional connection, both with family and the broader community.
Connection: Building Relationships That Matter
Family Relationships
Community Connections
Volunteering
Strong family bonds provide emotional support, companionship, and a sense of belonging. Being engaged with loved ones also creates shared memories and opportunities to both give and receive care. You can nurture these connections by:
• Scheduling regular calls or chats
• Planning shared activities such as meals, games, or outings
• Celebrating birthdays, anniversaries, and holidays together
• Sharing updates/ photos through texts, emails, or social media
• Offering help or asking for support when needed
Small, consistent efforts make a big difference in keeping family close.
Broadening your social circle helps keep your mind sharp, reduce isolation, and create enjoyable shared experiences. Consider:
• Joining book clubs to keep your love of reading alive
• Participating in walking or fitness groups for health & conversation
• Attending travel, cultural, or discussion groups
• Joining music, singing, or performance groups such as choirs
• Participating in craft, game, or gardening groups to share hobbies
Retired educators can connect through groups like the Washington State School Retirees’ Association (WSSRA) for events, volunteering, and peer connection.
Volunteering is a powerful way to stay engaged and contribute to your community. It provides structure, purpose, and opportunities for meaningful connection. Consider:
• Tutoring or mentoring students
• Supporting libraries, food banks, or community centers
• Volunteering at hospitals, museums, or faith-based organizations
• Participating in community beautification or senior services
• Engaging virtually if mobility or travel is limited
Volunteering benefits both you and others, creating a sense of impact while keeping you socially and mentally active.
Thriving in Retirement
Financial security provides the foundation, but true retirement fulfillment comes from living with purpose, staying healthy, nurturing relationships, and engaging with your community. By focusing on meaningful activities, strong connections, and your interests, you can make each day rewarding. Retirement isn’t just free time; it’s a season to thrive and enjoy the life you’ve earned.
Travel & Hotels
WEA Member Discounts
Save on vacations, weekend getaways & car rentals.
Insurance
Get discounted auto, home, and life insurance to protect your family.
Entertainment & Retail
Enjoy discounts on theme parks, movies, and top retailers.
Technology
Save on computers, software, and accessories to stay connected.
Discounts on gym memberships, wellness apps, and holistic services.
Save on courses, workshops, and certifications to boost your career.
Discounts on groceries, office supplies & home improvement.
Deals on cultural events, local attractions & member experiences.
Health & Wellness
Professional Development
Everyday Essentials
Special Experiences
Explore even more NEA benefits
on the page.
Educators can save more with NEA member benefits. See top perks and hidden gems below.
Membership websites are third-party sites that are unaffiliated with Clarity Financial Advisors.
NEA Member Benefits
Professional Growth
WEA Member Benefits
Workshops, courses, and National Board support to advance your career.
Workplace Guidance
Help with evaluations, student issues, and contract questions.
Legal Support
Two free legal consultations per year plus discounted services.
Grants & Scholarships
Funding for degrees, classroom materials, student projects, and professional development.
Learn More
Explore all WEA benefits on
the page.
Support and resources to help educators throughout their careers.
Membership websites are third-party sites that are unaffiliated with Clarity Financial Advisors.
Member Benefits
Step 1: Confirm Your Eligibility
Eligible K–12 educators can deduct up to $300 in unreimbursed classroom expenses on their federal income taxes,
or up to $600 total for married educators filing jointly. This deduction applies even if you take the standard deduction.
A Guide to Deducting Classroom Expenses
You may qualify if: you are a teacher, instructor, counselor, principal, or aide in a K–12 school recognized by the state. You must have worked at least 900 hours during the school year. Substitute teachers are eligible.
Step 2: Track Your Expenses
Common deductible items include: books, supplies, learning materials, computers and software, teaching-related professional development, student learning equipment, and P.E. athletic supplies.
Step 3: Keep Good Records
Keep receipts, order confirmations, or credit card statements showing your purchases. Only claim expenses you personally paid and weren’t reimbursed.
Step 4: Claim Your Deductions
Report your total eligible classroom expenses on Schedule 1 (Form 1040). If you’re married filing jointly, each spouse can claim up to $300, for a total of $600.
Visit the page
for official guidelines and examples.
Eligible K-12 educators can deduct up to $300 in unreimbursed classroom expenses on their federal taxes, even if they take the standard deduction.
IRS Educator Expense
Freedom to Choose
Eligible K–12 educators can deduct up to $300 in unreimbursed classroom expenses on their federal income taxes,
or up to $600 total for married educators filing jointly. This deduction applies even if you take the standard deduction.
Investing in What Matters Most in Retirement
Retirement is not just the end of work. It is your chance to create the life you truly want. Financial security provides stability, but fulfillment comes from also investing in purpose, health, relationships, and meaningful activity.
Financial security gives you flexibility to enjoy hobbies, travel, volunteer, or try new experiences. Pairing financial stability with purpose and connection helps ensure each day feels both meaningful and secure.
Living a Meaningful Life
Retirement is an opportunity to stay active, explore interests, and create daily meaning. Maintaining physical and mental health, learning new skills, and pursuing hobbies such as art, mentoring, or volunteering helps you stay sharp and fulfilled. Choosing activities aligned with your values brings deeper purpose and satisfaction to this stage of life.
Meaningful Connections
Social connection is essential for well-being in retirement. As daily routines shift, maintaining relationships often takes intentional effort. Even a few meaningful interactions each week can boost mood, improve health, and foster a sense of belonging.
Retirement offers the chance to strengthen family ties, providing support, companionship, and shared memories. Regular calls, shared meals or outings, celebrating milestones, sharing updates, and offering or seeking support can all help to keep family close and connected.
Family Relationships
Community Connections
Engage with your broader community to reduce isolation and enrich life. Join book clubs, fitness or walking groups, discussion or cultural circles, performance or music groups, or hobby-based clubs such as gardening or crafting. Retired educators may enjoy the Washington State School Retirees Association for events, volunteering, and peer connection.
Volunteering
Volunteering adds structure, purpose, and meaningful contribution. Consider tutoring, supporting libraries or community centers, assisting hospitals or museums, participating in beautification projects, or exploring virtual roles if mobility is limited. These activities strengthen communities while keeping you engaged.
Thriving in Retirement
Financial security is just the foundation. Thriving comes from pursuing purpose, maintaining health, and nurturing relationships. Focusing on meaningful activity and strong connections helps you enjoy a rich, rewarding retirement, the life you have worked hard to build.
Public Service Loan Forgiveness (PSLF)
Teaching is rewarding, but managing student loans can be tough. Here’s a brief overview of the most relevant federal student loan programs for educators:
Student Loan Forgiveness Options
- Full-time employees at qualifying government/nonprofit orgs (includes public K–12 schools) with federal Direct Loans.
- Requires 120 qualifying monthly payments under an income-driven repayment plan.
- Must still work for a qualifying employer when applying.
- Remaining loan balance after 120 payments forgiven (not taxable).
- Use the PSLF Help Tool to check employer eligibility and track progress: StudentAid.gov/pslf.
Teacher Loan
Forgiveness (TLF)
- Full-time elementary/secondary teachers at low-income schools or educational service agencies.
- Must meet “highly qualified” requirements (varies by grade level/teaching experience).
- Work full-time for 5 consecutive years with Direct, Stafford, or FFEL loans.
- Forgiveness: up to $17,500 for highly qualified secondary math, science, or special ed teachers; up to $5,000 for others (forgiven amount not taxable).
- See eligibility details, list of qualifying schools, and apply at: StudentAid.gov/teach-forgive.
Perkins Loan Cancellation
- Full-time teachers with Federal Perkins Loans who teach in low-income schools or designated teacher-shortage areas.
- Loan canceled gradually over 5 years (up to 100%).
- Payments not required while performing qualifying service
- Contact the issuing school or loan servicer to apply.
- Cancelled amounts are generally taxable (unlike PSLF/TLF).
- More details are available at: StudentAid.gov/perkins.
Securities offered through appropriately registered representatives of The Strategic Financial Alliance, Inc. (SFA), member FINRA, SIPC. Advisory services offered through appropriately registered investment adviser representatives of Strategic Blueprint LLC. SFA and Strategic Blueprint are affiliated through common ownership but otherwise unaffiliated with Clarity Financial Advisors. Supervisory office:
678-954-4000.
Business may only be transacted in a state if first registered. Individualized responses to persons in a state that involve transactions in securities or personalized investment advice for compensation, will not be made absent compliance with state registration requirements or applicable exemption.
Securities offered through appropriately registered representatives of The Strategic Financial Alliance, Inc. (SFA), member FINRA, SIPC. Advisory services offered through appropriately registered investment adviser representatives of Strategic Blueprint LLC. SFA and Strategic Blueprint are affiliated through common ownership but otherwise unaffiliated with Clarity Financial Advisors. Supervisory office 678-954-4000.
Business may only be transacted in a state if first registered. Individualized responses to persons in a state that involve transactions in securities or personalized investment advice for compensation, will not be made absent compliance with state registration requirements or applicable exemption.
Visit Strategic Blueprint, LLC and The Strategic Financial Alliance, Inc. for additional disclosures.
Disclosure
Visit Strategic Blueprint, LLC and
The Strategic Financial Alliance, Inc. for additional disclosures.
https://www.strategicblueprint.net/disclosures/
https://thesfa.net/disclosures/
Join Retired Educator Groups
Retired teachers’ groups, like the Washington State School Retirees’ Association (WSSRA), offer connection, advocacy, and community. With local units across the state, they host events, volunteer opportunities, and ways to stay engaged with fellow educators.
Join an Interest-Based Group
Beyond educator associations, there are many ways to stay socially and mentally active. Many groups meet in person or online, offering flexible ways to stay connected. Consider joining:
Tip: If you don’t see a group in your area that fits your interests, don’t hesitate to start one. A simple flyer at the library, senior center, or online community board can bring others together who are looking for the same connection.
Check Out This Resource:
Staying Connected After Teaching: Community for Retired Educators
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Link: Learn About Washington State School Retirees' Association (WSRRA)