Understand & Plan

The Missouri public education system offers educators and employees some of the best pension plans in the country. But it's imperative for participants to understand the system in order to maximize their benefits. We help educators understand and plan.

Working With ERS

Our services are available on an individual or group basis. We will gladly meet with with PSRS/PEERS members and their families at their convenience. Group workshops for school districts and their employees are also available. Educators and administrators are busy people, so we provide services at the times and places that meet their demanding schedules.

Educators Helping Educators

We've been educators, administrators, and employees in Missouri public schools. We know it's extremely intimidating to make choices today that have such a powerful impact on the future. Not only have we done it ourselves, but we've helped many other Missouri educators make smart choices about their plans and their retirement. And we look forward to helping many more.

We Help PSRS/PEERS members individually and in group workshops.

  • • Understand the PSRS/PEERS normal retirement benchmarks
  • • Understand the PSRS/PEERS special initiative: The "Partial Lump Sum Option (PLSO)"
  • • Understand and research purchase of service credit strategies
  • • Understand and research the relationship of their Social Security work history to their PSRS/PEERS pension
  • • Understand and research monthly pension option strategies

  • Once participants have a clear understanding of the system, we advise them on strategies as they plan and prepare for the retirement they deserve.

    We provide seamlessly integrated Wealth Management Services

    Preparing for retirement is much more complex than simply saving money. You need a comprehensive plan incorporating all aspects of your family’s financial picture. This includes integrating the PSRS/PEERS pension decisions into that plan.

  • • Investment Management
  • • Financial Planning
  • • Tax Strategies
  • • Insurance Planning
  • • Estate & Legacy Planning

  • We will seek first to understand your family’s unique situation and work with you to develop a financial program specifically tailored to you. We will continue to monitor and adjust that plan throughout your life as your needs and circumstances change.

    Keith Klusmeyer

    Keith Klusmeyer, Ed.D.

    Keith started his career as a special education teacher and assistant principal in the Francis Howell School District. He was assistant principal and principal in the Pattonville School district, and then served as an area superintendent in the Mehlville School District. Keith has been providing pension education and wealth management services to Missouri educators and their families since 2006.

    He holds a Doctorate in Administration from St. Louis University and is an Investment Advisor Representative with RFG Advisory. He lives in St. Charles with his wife and three children.

    Ready to Get Started? Contact ERS Today!


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    Office Address

    Educator Retirement Solutions
    3 CITY PLACE DRIVE | SUITE 590
    CREVE COEUR, MO 63141


    Contact Info

    314-452-2371
    keith@educatorretirementsolutions.com