403(b) plans for educators, churches & schools
Your retirement, in line.
Increase your retirement savings and reduce your taxes. John C. Gilbert, MBA, is an independent Houston agent for annuities, life and health coverage, licensed in Texas since 2002.
- Licensed in Texas since 2002
- MBA, independent agent
- Many companies, one advisor
403(b) tax-sheltered annuitiesIRA & Roth IRAFixed & indexed annuitiesTeacher Retirement System of TexasTerm & whole lifeFinal expenseHealth insuranceDental plans
Find your line
Where are you on the line?
Pick what sounds most like you. John will meet you there.
If you teach in a Texas school
The Teacher Retirement System of Texas (TRS) is the cornerstone of your retirement income, but it was never designed to replace your whole paycheck. A 403(b) plan lets you set aside pre-tax money from every paycheck to fill the difference.
John helps educators see the gap in real numbers, then build a plan to close it.
If you serve a church, school or nonprofit
Pastors, church staff, and museum and nonprofit employees can save with a 403(b) tax-sheltered annuity: the same pre-tax advantage big employers offer, sized for organizations large and small.
John works with well-established institutions, including organizations that have served their communities for more than a century.
If you work for yourself
No employer plan? An IRA or Roth IRA annuity gives you a tax-advantaged place to grow your savings, on your own schedule.
John helps self-employed people and other individuals choose the right kind of account and the right kind of money to put in it.
If you are protecting your family
Life insurance replaces your income when your family needs it most. Health and dental coverage keep one bad day from becoming a financial emergency.
John compares options across companies and explains the trade-offs in plain English.
If you are planning final arrangements
Final expense coverage pays for a funeral so your family doesn’t have to. Many people who can’t qualify for traditional life insurance can still be covered, often the same day.
Texas teachers: a reality check
Retirement can cut your take-home pay by 44%.
TRS will be the foundation of your retirement income, but it won’t replace your paycheck. Once survivor benefits, health care and taxes come out, the gap can be wider than you expect.
In this example, an educator retiring after 32 years on a final salary of $75,900 goes from $5,234 a month to $2,917.
Net monthly income for an educator with 32 years of service and a $75,900 final salary, after a 100% joint survivor benefit, health care and taxes at 15%. Source: The Retirement Analysis Kit (TRAK), TrustBuilders, Inc. For illustrative purposes only.
What John writes
Seven lines of coverage. One advisor.
As an independent agent, John isn’t tied to a single company. He compares, explains, and tailors a solution that fits your goals.
01
403(b) tax-sheltered annuities
Pre-tax saving for educators, churches, schools, museums, pastors and nonprofit staff.
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02
IRA & Roth IRA annuities
For the self-employed and anyone saving on their own, with or without an employer plan.
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03
Fixed & indexed annuities
Single or flexible premium, tax-deferred growth, and options for income in retirement.
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04
Term & whole life insurance
Maximum coverage for the years you need it, or lifetime coverage that builds cash value.
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05
Final expense
Funeral coverage through Lincoln Heritage, for people who can’t get a traditional policy.
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06
Health insurance
Individual and family plans, Medicare plans, and Medicaid plans for those who qualify.
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Meet John C. Gilbert, MBA
I am always happy to help people save money for retirement, and especially those who work for non-profit organizations like schools, churches, museums, and pastors.
Companies John represents include
- Midland National
- National Life Group
- Life Insurance Company of the Southwest
- Allianz Life
- Lincoln Heritage
- Blue Cross and Blue Shield of Texas
- BestOne Dental
The reading room
Seven free guides. Take one home.
Short, plain-English booklets on the retirement questions John hears most. Pull a book off the shelf and he’ll send you a copy.
- Retire SMART
- Six Strategies to Help Retirees Reduce Taxes
- Six Best & Worst IRA Rollover Decisions
- Maximize Social Security Income
- Annuity Owner Mistakes
- The Best Way to Buy, Sell or Replace Life Insurance
- How Wealthy People Use Professional Money Management
Free, with no obligation. Choose a title and tell John where to send it.
Visit the office
11811 North FreewaySuite 504
Houston, Texas 77060
Our customers are all over the United States, but we focus on Texas.
Monday to Friday, 9 am to 6 pm