Trusted by educators and public employees in all 50 states.
Retirement Planning is Confusing — We Make It Simple
Teachers, public employees, and retirees face unique challenges: state-specific pension rules, annuity contracts full of fine print, and insurance options that don’t always protect your family the way you expect.
State Pension Complexity:
Every state has different pension formulas, vesting schedules, and survivor benefits. Without expert guidance, you could lose thousands in lifetime income.
Annuity Confusion:
Annuity contracts are packed with riders, fees, and guarantees that are difficult to compare. What looks like a good deal may limit your flexibility or reduce your payout.
Insurance Blind Spots:
Life insurance policies are often outdated or misaligned with your actual retirement plan. Many families find out too late that their coverage won’t meet their needs.
Our Independent Retirement Services
Retirement Review & Consultation
Get a clear action plan covering pensions, savings, annuities, and insurance.
Pension Analysis — All States
We break down your pension options, election trade-offs, and Social Security impacts.
Life Insurance Review
Independent analysis of policies, beneficiaries, and gaps in coverage.
Why Choose Retire Lab?
Independent & Unbiased
No hidden carrier incentives.
All States Covered
Deep knowledge of retirement planning & pension systems nationwide.
Clarity in 45 Minutes
Action plan delivered quickly, virtually.
