Financial Services for Houston ISD Employees

Helping teachers and staff retire with clarity and confidence

Supporting Educators at Every Career Stage

From your first paycheck to your last day of work—we’re with you

Houston ISD is one of the largest school districts in the nation, and its employees deserve personalized financial guidance that reflects the complexity of their benefits. At Dearborn & Creggs, our advisors help teachers, administrators, and staff across HISD understand their TRS pensions, 403(b) and 457 options, and long-term planning goals. Whether you’re at a school campus, the Hattie Mae White Educational Support Center or other district location, our team is here to our team is here to simplify the process and help you build a clear path forward.

Tailored Financial Services for HISD Staff

Helping you plan, save, and retire with purpose

Our advisors work closely with Houston ISD employees to align your district benefits with your personal goals. Whether you’re new to teaching or preparing for retirement, we offer financial guidance that makes sense for your life.

We explain how your TRS pension, 403(b), 457, and Social Security fit together—and help you build a sustainable retirement income plan.

Our advisors help you budget, save for education, plan for healthcare, and manage insurance—all in a way that reflects your salary and career goals.

If you’ve built savings or are receiving a DROP payment, our advisors will help you grow and protect your wealth with strategies tailored to your life after HISD.

Educators Deserve Clear, Supportive Planning

Your future shouldn’t be left to guesswork

Houston ISD employees face unique financial decisions—many of which aren’t clearly explained during onboarding or retirement planning seminars. TRS eligibility rules, benefit coordination, and supplemental savings options can feel overwhelming without guidance. We take the time to walk you through each option and give you a full picture of your financial future—whether you’re just beginning your teaching career or retiring after decades of service.

Financial Questions from HISD Employees

Answers built around your career and district benefits

  • What makes financial planning for HISD employees unique?

    Houston ISD employees often have access to both TRS and voluntary 403(b) or 457 plans, which can be powerful when used correctly. Our advisors help HISD teachers and staff understand how their retirement benefits work, what gaps may exist, and how to build additional savings. Our goal is to help you make the most of your career benefits—without the guesswork.

  • How do TRS and 403(b)/457 plans work together?

    TRS provides a pension based on your years of service and salary, but it may not cover all your retirement needs. That’s where your 403(b) or 457 plans come in—they offer flexible savings options that can help you fill any income gaps. We help you understand how to use these plans strategically and avoid costly mistakes. The right combination of TRS and supplemental savings can create a stable retirement income stream.

  • What if I change schools or leave Houston ISD?

    If you move to another Texas district, your TRS pension continues with you, and your 403(b) and 457 savings are always yours. If you leave education entirely, your options shift—but your savings don’t disappear. We’ll help you understand what happens next and how to keep your plan aligned with your new path. Our goal is to keep you on track—no matter where your career takes you.

  • Can you help me plan even if I’m just starting out?

    Yes! Many of our clients come to us early in their careers to understand how to save, budget, and prepare for the future. Starting strong makes a big difference over time, and we’re happy to help you build a plan that grows with you. We’ll explain everything clearly so you feel confident—not overwhelmed.

  • What if I’ve already retired from HISD?

    We work with many retirees as they transition from work to managing income in retirement. If you’ve received a Partial Lump Sum Option payment or are living off your pension and personal savings, our advisors can help you protect your assets and create a spending plan that lasts. Just because you’ve retired doesn’t mean the planning stops—we’ll continue supporting you every step of the way.