Texas teachers, school staff, and state employees have access to powerful retirement savings tools beyond TRS. 403(b) and 457(b) plans allow you to save additional money for retirement on a tax-advantaged basis, helping you build long-term financial security. A 403(b) plan is designed specifically for educators and nonprofit employees, allowing pre-tax or Roth contributions that grow tax-deferred. A 457(b) plan is available to state and local government employees and offers unique flexibility, including penalty-free withdrawals upon separation from service.