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Frenship ISD

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Financial and Retirement Resources

Region 10 RAMS/TCG (Retirement Asset Management Services
Customer Service:  #1-800-943-9179
TCG has a qualified network of financial professionals to help inform and educate you on the basics of financial and retirement planning as well as TRS.

TCG will be available to meet with employees to assist in completing the TRS Blue packet upon retirement.  Employees must request the blue packet form TRS.
TCG services are provided at no cost to Frenship employees, or you can consult with any outside financial/retirement advisor. 

Bridging the Retirement Income Gap

When estimating the amount of income needed in retirement, you may start by considering the type of lifestyle you want to live and the age at which you’d like to retire. But as retirement age nears, it may become apparent that prior income estimates may be insufficient to meet your actual needs. In this very common situation, it would be prudent to create a plan to bridge the projected income gap. Here are some strategies that may help.

Try to take advantage of an 457(b), 403(b), 401(k), IRA or other tax-deferred retirement plan if possible since assets in a tax-deferred account will grow more rapidly over time than the same investments in a taxable account.

To learn more about these strategies or for help with your own scenario, contact us. Schedule your no-obligation consultation with TCG Advisors today to ask all your questions.


Frenship ISD  457(b) Retirement Plan

A 457(b) is a retirement savings plan that allows employees to make contributions on a pretax basis, thus income taxes are deferred until your assets are withdrawn. Most plans allow you to start, stop, increase or decrease contributions at any time. The contribution limits are separate from those of 401(k) and 403(b) plans and more flexible withdrawal options are often available.


Region 10 RAMS/TCG (Retirement Asset Management Services

Customer Service:  #1-800-943-9179


TCG District contacts: 

Carolina Figueroa(Spanish Speaking)- 512-600-5236   [email protected]


Scheduling a virtual or face to face meeting:

Schedule a TeleWealth™ Meeting with Carolina at

Retirement steps:

  • Contact TRS for retirement information
  • Work with a retirement advisor to complete the blue packet
  • Submit a resignation letter to Frenship ISD
  • Conduct an EXIT interview with HR prior to last day of employment


Other Financial Resource Contacts:
 Bobby Herndon / Horace Mann
Jeff Nicholas/Nicholas Financial 
[email protected]
Student Loan Forgiveness:
Bobby Herndon / Horace Mann
John Thomas/Gardner & Associates
National Benefits Services: