Retirement
Plan Today. Retire With Confidence.
Retirement Planning
Whether retirement is decades away or just around the corner, Midland ISD employees have access to a dedicated Retirement Plan Specialist who can help explain pension benefits, retirement income, rollover options, Social Security, and the steps needed to prepare for retirement.
Retirement Support at a Glance
Guidance built around your goals
Retirement planning is not one-size-fits-all. Your age, service history, pension eligibility, savings, debt, family needs, and career plans all affect the decisions ahead.
Free Consultations
Personalized retirement guidance at no cost
Dedicated Specialist
A single point of contact for Midland ISD employees
Virtual Meetings
Convenient TeleWealth appointments
Career-Long Support
Help from new hire through retirement
Your Retirement Specialist
Carolina Figueroa
Retirement Plan Specialist
“I’m here to help you approach retirement planning with confidence. Whether retirement is around the corner or decades away, there is a lot you can do to prepare ahead, and I’ll be happy to walk you through what you need to know.”
cfigueroa@tcgservices.com Office: (512) 600-5236 Cell: (915) 539-4286 Fax: (888) 989-9247 900 S. Capital of Texas Hwy., Suite 350, Austin, TX 78746 Schedule a TeleWealth MeetingCarolina can help you:
- Understand TRS pension benefits and service credit
- Estimate retirement income needs
- Review Social Security considerations
- Understand rollover and distribution options
- Analyze cash flow before and after retirement
- Review asset allocation and savings goals
- Prepare for retirement-related decisions and deadlines
- Identify questions to ask before leaving employment
Areas of Focus
Topics you can discuss during a consultation
Retirement planning
Create a practical timeline and identify the actions needed before retirement.
Pension and Social Security
Understand how TRS benefits and Social Security may affect retirement income.
Retirement income needs
Estimate expected expenses and determine how much income may be needed.
Rollover options
Review available choices for retirement accounts when changing jobs or retiring.
Cash-flow analysis
Compare current income and expenses with a projected retirement budget.
Asset allocation and goals
Discuss savings goals, risk tolerance, and long-term investment planning.
TRS Life Event Resource Kit
Life and career changes may require action
The Teacher Retirement System of Texas provides online resources to help members understand what to review or update when important personal or employment changes occur.
Personal Events
Review TRS guidance when a personal change may affect beneficiaries, contact information, insurance, or retirement planning.
- Marriage
- Starting a family
- Purchasing a home
- Divorce
- Death of a family member
- Disability
- Address or phone changes
- Turning 65
Career Events
Employment changes may affect service credit, contributions, retirement eligibility, and required TRS forms.
- New hire
- Nearing retirement
- Ready to retire
- Terminating employment
- Returning after separation
- Turning 65
- Employment after retirement
- Job or position changes
TRS and your retirement specialist serve different roles.
TRS provides official pension information, forms, and retirement-system guidance. Carolina can help you understand your broader retirement picture, prepare questions, and evaluate planning considerations. Official TRS determinations must come directly from TRS.
Retirement Resources
Take the next step
Free Consultation
Schedule With Carolina
Choose a convenient time for a TeleWealth meeting with Midland ISD’s dedicated Retirement Plan Specialist.
Schedule a meeting TRS ResourceLife and Job Changes
Review official TRS guidance for personal events, career changes, retirement, separation, and employment after retirement.
Visit TRS resources Direct ContactEmail Carolina
Contact Carolina directly with questions about retirement planning or scheduling a consultation.
Send an emailQuick Answers
Frequently asked questions
Who may meet with the retirement specialist?
Midland ISD employees may schedule a complimentary consultation with Carolina Figueroa, regardless of how close they are to retirement.
Does a consultation cost anything?
No. Retirement consultations are available to Midland ISD employees at no cost.
Should I wait until I am ready to retire?
No. Early planning can help employees understand savings needs, benefit options, and decisions that may affect retirement years later.
Can Carolina calculate my official TRS pension?
Carolina can help explain retirement-planning concepts and review information with you. Official pension estimates, service credit, and retirement eligibility determinations must come from TRS.
What should I bring to a consultation?
Consider bringing your TRS information, recent benefit statements, retirement account balances, expected retirement date, questions, and a general estimate of household expenses.
Can I meet virtually?
Yes. Employees may schedule a TeleWealth virtual meeting through Carolina’s online scheduling page.
You do not have to plan for retirement alone.
Schedule a free consultation with Carolina Figueroa to better understand your options and build a retirement strategy with confidence.