Retirement Income Matters, Inc. helps individuals and families create a clear plan for retirement by focusing on income, Social Security, pensions, investments, and long-term financial security.  We specialize in helping teachers, school employees, and other public-sector workers understand their pension options, 403(b) and 457 plans, Social Security coordination, and retirement timing decisions.  RIM also provides guidance on retirement income planning, annuities, life insurance, Medicare, and strategies to reduce taxes and help ensure clients do not outlive their savings.