For LAUSD Educators

Did you know your 403(b) could be earning as little as 1%?

Most educators have no idea how their 403(b) is actually performing. We'll review yours with you — and show you in plain English exactly what it's earning.

No obligation
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Designed for LAUSD professionals

Schedule My 403(b) Review See real statements

Did you know that you could be earning as little as 1% or worse on your 403(b)?

OMG!

We'll help you understand your 403(b)

Not sure how yours is performing? We'll review it with you — no obligation.

Real LAUSD educator statements

This is what we found.

These are real interest & index credit rates from three LAUSD professionals' 403(b) statements. Names removed for privacy. Look at the highlighted column.

Educator 1

Interest & Index Performance During Period
Index Account	Account Value	Beginning Index	Avg/Ending Index	Index % Gain	Index Cap	Index Margin	Participation Rate	Interest & Index Credit %	Interest & Index Credit
Fixed	$52,394.87	N/A	N/A	N/A	N/A	N/A	N/A	2.0000%	$1,351.47

Locked into a 2% fixed rate. The S&P 500 returned 24% in the same period.

Educator 2

Interest & Index Performance During Period
Index Account	Account Value	Beginning Index	Avg/Ending Index	Index % Gain	Index Cap	Index Margin	Participation Rate	Interest & Index Credit %	Interest & Index Credit
AP2P S&P Multi-Asset Risk Control 5% Excess Return — Prate	$42,855.07	379.06	397.52	4.8699%	N/A	0.00%	35.00%	1.7045%	$730.47

Index gained 4.87% — but a 35% participation rate means the educator only got 1.7%.

Administrator 1

Interest & Index Performance During Period
Index Account	Account Value	Beginning Index	Avg/Ending Index	Index % Gain	Index Cap	Index Margin	Participation Rate	Interest & Index Credit %	Interest & Index Credit
Fixed	$11,315.37	N/A	N/A	N/A	N/A	N/A	N/A	1.0000%	$648.11
P2P S&P 500	$5,049.67	5,699.94	6,715.35	17.8144%	2.00%	0.00%	100.00%	2.0000%	$101.00
P2P Dow Jones	$5,033.46	42,011.59	46,519.72	10.7307%	2.00%	0.00%	100.00%	2.0000%	$100.66
P2P S&P MidCap 400	$7,537.51	3,088.21	3,278.76	6.1702%	2.00%	0.00%	100.00%	2.0000%	$150.75
P2P Russell 2000	$7,452.15	2,180.15	2,458.49	12.7670%	2.00%	0.00%	100.00%	2.0000%	$149.05
P2P Nasdaq-100	$5,126.14	19,793.34	24,892.76	25.7633%	2.00%	0.00%	100.00%	2.0000%	$102.50

Nasdaq up 25.76%. Educator earned 2%. The 2% cap absorbed every dollar of the gain.

If your statement looks like one of these, you're not alone — and you're not stuck.

Why this matters

A 1% account vs. a properly-positioned account is a different retirement.

A 30-year-old educator contributing $500/month with a 1% return retires with about $233,000. The same contribution at a market-matched return is closer to $1,000,000. That's the difference between scraping by and being free.

$233K

Retirement balance at 1% — $500/mo for 30 years

$1.0M

Retirement balance at 8% — same contribution

~70%

Of educators we've reviewed had a 403(b) earning under 3%

In your review

What we'll go through with you

A focused 1:1 conversation about your specific 403(b) — no jargon, no pitch, no obligation.

Read your 403(b) statement together

Plain English explanation of cap rate, participation rate, and what you're really earning.
Compare to better available options

See what other LAUSD-eligible 403(b) products are returning right now.
Show projected retirement balance

Side-by-side: where you're headed today vs. where you could be.
Tax & pension coordination

How CalSTRS / CalPERS, your 403(b), and your tax bracket work together.
A simple, written summary you can keep

No pressure to act today. We'll send you the takeaways and you decide.

Schedule your review

Find out what your 403(b) is really earning.

Takes less than 2 minutes to schedule. We'll reach out to confirm a time that works for you.

Did you know your 403(b) could be earning as little as 1%?

This is what we found.

A 1% account vs. a properly-positioned account is a different retirement.

What we'll go through with you

Licensed. Local. Educator-focused.

Find out what your 403(b) is really earning.

You're in good hands.