Urgent 2026 TRS Retirement Briefing: How to Avoid the "No COLA" Trap
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Urgent 2026 TRS Retirement Briefing: How to Avoid the "No COLA" Trap
You have 90 days to make decisions that will affect the next 30 years of your life. Learn how to protect your purchasing power before you file your TRS paperwork.
Financial SolutionTexas Educators: You’ve worked decades for your pension. Don’t let inflation take it away.
In this 60-minute "Ready to Retire" webinar, we reveal:
The "No COLA" Trap:
Why a "steady" check is actually a shrinking check, and how to calculate your true purchasing power 10 years into retirement.
The 3 vs. 8 Rule:
Out of the 8 retirement options TRS provides, only 3 are designed to help you maximize income and combat inflation. Do you know which ones they are?
The Tax Hit:
How to prepare for the 10-30% Federal Income Tax deduction that surprises most retirees on their first check.
2026 Paperwork Deadlines:
What you must do in the next 3 months to avoid the common financial pitfalls that force many teachers back into the workforce.
ABOUT US
Ruben Ruiz
Financial Advisor
We specialize in helping Texas educators navigate the complexities of the TRS system. We believe that after a career of service, no teacher should have to "go broke" or cry over the phone with TRS representatives because they weren't given the right tools to plan.
Thanks to their financial planning services, I now feel secure about my future and my family’s financial well-being!
Retired Administrator, ISD
Why You Must Register Today
Your retirement is a one-time decision with a lifetime of consequences.
This webinar is not just an information session—it is a survival guide for the 2026 retiree. We will provide you with the clarity needed to navigate the 8 TRS options, avoid the "No COLA" erosion, and ensure that your years of service result in the comfortable, dignified retirement you’ve earned.
Seats are limited to 50 participants to ensure every educator's questions are answered.
I’ve already attended a TRS-run retirement seminar. How is this webinar different?
While TRS provides excellent information on the rules of your pension, they cannot provide financial advice or strategies on how to protect your income from inflation and taxes. This webinar focuses on the "gaps" TRS doesn't cover—specifically how to choose between the 8 payout options to maximize your net take-home pay and survive the "No COLA" trap.
Is there really a risk of "going broke" if the pension check is guaranteed for life?
The check is guaranteed, but its value is not. Because TRS has no automatic Cost of Living Adjustment (COLA), your purchasing power drops every year that inflation exists. If the cost of living rises by 3% annually, your $3,000 check will feel like $2,200 in just ten years. We show you how to structure your retirement choices so your lifestyle doesn't shrink as you age.
I’m retiring in 2026; isn't it too early to attend a webinar now?
Actually, it’s almost too late. Most educators make their irrevocable retirement choices in the final 90 days before filing. Once you sign your TRS paperwork and receive your first check, those decisions are permanent. Attending now gives you the window of time needed to adjust your strategy and ensure you aren't leaving thousands of dollars on the table.
What will I learn about my taxes that I don't already know?
Many retirees are shocked to find that 10% to 30% of their gross TRS check is withheld for Federal Income Taxes. We discuss strategies for "maximizing after-tax income." It isn't about what the state pays you; it’s about what you actually get to keep in your bank account to pay your bills.
Ruiz Financial Group LLC