GLP Retirement Roadmap
🧭 Your MPSERS Retirement, Mapped Out

"I don't know anything about MPSERS or how to plan my retirement...
where do I start?"

Right here. This is a complete, judgment-free roadmap that walks any Michigan public school employee from your very first day on the job all the way through retirement β€” one simple topic at a time.

Why is this free?

Good question β€” you deserve a straight answer.

GLP Financial Group has been helping Michigan public school employees plan for retirement since 1969. Most educators never get a plain-language walkthrough of a system that directly shapes their paycheck and their future. We built this roadmap because we take our motto seriously: Educate the Educators.

There's no login, no hidden pitch, and no obligation. If at some point you'd like to talk with a real person about your specific situation, GLP advisors are here for that β€” but that's entirely your call, and entirely separate from anything on this roadmap.

1969The year GLP started helping Michigan educators plan for retirement
Educate the EducatorsOur motto β€” and the entire reason this roadmap exists
$0What this roadmap costs you, from Step 1 to the last topic
Start Here

Your First 8 Steps

These eight questions are the real foundation β€” one from each part of the system. Everything else on this page is optional depth you can explore in any order, whenever it's relevant to you.

0 of 8 baseline steps complete

βœ“ Once you've got these down, everything below is yours to explore β€” no required order.

Explore More

Go Deeper, In Any Order

The rest of the roadmap, plus scenarios built for your specific situation β€” nothing opens until you click it.

πŸ—ΊοΈ

The Extended Roadmap

The other 32 questions from the roadmap, grouped the same 8 ways. Click a topic area to see what's inside.

🧩 What Plan Am I In?β–Ά
How Do I Find My Plan in miAccount?Soon
What Are the MPSERS Benefit Structures?Soon
What Changed for Employees Hired After July 1, 2024?Soon
Can I Change My MPSERS Plan?Soon
πŸ—“οΈ When Can I Retire?β–Ά
What Does "Vested" Mean?Live
How Many Years of Service Do I Need?Soon
What Is My Earliest Retirement Date?Soon
Why Does My Hire Date Matter?Soon
πŸ“Š How Much Will I Get?β–Ά
How Is My Pension Calculated?Soon
What Is Final Average Compensation?Soon
What Is the Pension Multiplier?Soon
Can I Estimate My Pension Myself?Live
πŸ’° Where Does My Money Go?β–Ά
What Comes Out of My Paycheck?Live
How Much Am I Contributing?Soon
What Is a Defined Benefit Pension?Soon
Is My Pension Guaranteed?Soon
πŸ₯ Healthcare in Retirementβ–Ά
Do I Get Health Insurance for Life?Soon
What Is the MPSERS Premium Subsidy?Soon
What Is the Personal Healthcare Fund?Soon
How Do I Know Which Healthcare Benefit I Have?Soon
πŸ›οΈ Social Securityβ–Ά
How Does Social Security Work With MPSERS?Soon
Does My MPSERS Pension Reduce Social Security?Soon
What Is the Social Security Fairness Act?Soon
When Can I Start Social Security?Soon
πŸ“‰ The Retirement Income Gapβ–Ά
Will My Pension Replace My Paycheck?Soon
Why Does Retirement Income Usually Drop?Soon
How Much Income Will I Need in Retirement?Soon
Why Does Starting Early Matter?Soon
πŸ’Ό Supplemental Retirement Savingsβ–Ά
What Is a 403(b)?Soon
What Is a 457(b)?Soon
Do I Need a Supplemental Retirement Account?Soon
Should I Save Pre-Tax or Roth?Soon
πŸ“š

The Library

Facing something specific β€” a divorce, a job change, worries about the market? The Library has What-If scenarios built for exactly that, plus deeper dives into topics you've already started.

Visit the Library β†’