Page 13 - The Edge - Fall 2020

Having trouble understanding
Having trouble understanding
your state retirement benefits?
your state retirement benefits?

You’re not alone!
You’re not alone!

Horace Mann representatives have extensive knowledge of the Arizona State Retirement System (ASRS).
Horace Mann representatives have extensive knowledge of the Arizona State Retirement System (ASRS).
This expertise helps provide you and your staff with a "big picture" view of how state retirement benefits and
This expertise helps provide you and your staff with a "big picture" view of how state retirement benefits and
supplemental retirement plans can work together.
supplemental retirement plans can work together.
Many experts say about 80% of your pre-retirement income is needed to maintain your standard of living
Many experts say about 80% of your pre-retirement income is needed to maintain your standard of living
when you stop working. While most educators receive a pension, it may not completely replace their
when you stop working. While most educators receive a pension, it may not completely replace their
pre-retirement income. Your local Horace Mann representative may be able to help you and your employees
pre-retirement income. Your local Horace Mann representative may be able to help you and your employees
fill any financial gaps.
fill any financial gaps.
Contact your local Horace Mann representative to request no-cost workshop in your school.
Contact your local Horace Mann representative to request no-cost workshop in your school.
Or visit http:// www.horacemann.com/teacher-lounge/workshops
Or visit http:// www.horacemann.com/teacher-lounge/workshops

After twenty years working for Trusts,

I knew it was time for a change

I AM NOW INDEPENDENT OF ANY TRUST SO I CAN BETTER
SERVE YOU INDIVIDUALLY AND YOUR MANY HEALTHCARE NEEDS

If YOU are participating in an insurance Trust, ask yourself:
Do you know where (and how) your funds are spent by participating in a Trust?
Are you aware of all the credit and savings opportunities available to you annually?
Do you routinely bid to ensure taxpayer dollars are being maximized for the BEST deal?
Are you aware of the alternative options for purchasing and managing your heathcare needs?
Do you partner with an independent healthcare financial advisor that works ALONGSIDE you?

If you answered NO to any of the above questions, it may be time that you make a change too.

Call 480.589.0094 today and I can help you change for the better.
Patrick Dittman, President / Founder National Health Network Services

13