CSD Retirement Trust
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The Supplemental Retirement Program Made By Educators, For Educators

The Supplemental Retirement Program Made By Educators, For EducatorsThe Supplemental Retirement Program Made By Educators, For EducatorsThe Supplemental Retirement Program Made By Educators, For Educators

The Supplemental Retirement Program Made By Educators, For Educators

The Supplemental Retirement Program Made By Educators, For EducatorsThe Supplemental Retirement Program Made By Educators, For EducatorsThe Supplemental Retirement Program Made By Educators, For Educators

Supporting Educators with Flexible and Transparent Retirement Options

Finding 403(b) and 457 retirement plans in a multi-vendor environment is often challenging for teachers and educational staff, and the process of choosing the right provider for your needs can be frustrating. With The Trust, you have access to a single provider that employs a flexible, “open architecture” approach to investment options. With both traditional and Roth 403(b) and 457(b) plans available, you can improve retirement outcomes and make smart, long-term investment decisions with the help of financial experts.

What is CSD Retirement Trust?

CSD Retirement Trust (CSD) is a multiple-employer retirement consortium serving more than 70 public school districts across Kansas, Missouri, Wisconsin, and North Dakota. Founded in 2010 to replace a fragmented, high-cost, multi-vendor annuity marketplace with a single low-cost partnership. CSD has spent the past three years executing a deliberate strategic initiative to accelerate growth, deepen participant engagement, and expand well beyond retirement savings into holistic financial wellness.

Our Services

How We Serve Educators

403(b) / 457(b) Accounts

Finnita Student Loan Forgiveness

Finnita Student Loan Forgiveness

A retirement plan built by school districts, not sold to them. Choose pretax or Roth, with no setup fee and an all-in participant fee of 0.19%, roughly 92% below what traditional multi-vendor annuity platforms charge. Enroll online in minutes and adjust your contribution whenever you need to.

Finnita Student Loan Forgiveness

Finnita Student Loan Forgiveness

Finnita Student Loan Forgiveness

Most public school employees qualify for Loan Forgiveness, but the paperwork stops people short. Finnita gives every CSD participant free, personalized guidance through the process. At Kansas City Public Schools, enrolled educators have cut their monthly loan payment by an average of $595.

Financial Wellness Platform

Finnita Student Loan Forgiveness

Financial Wellness Platform

Retirement security starts with everyday footing: budgeting, emergency savings, paying down debt. Best Money Moves gives every CSD participant free access to financial wellness tools, backed by onsite financial professionals. Available to every district in the consortium, regardless of size.

Meet Our Members

How Can The Trust Benefit Your Organization?

As financial advisors, we’re here to help employees learn how to improve retirement outcomes. 19% of workers say they do not feel confident in being prepared for retirement. That’s why CSD Retirement Trust offers a variety of investment options, managed accounts, and income replacements to help teachers and staff feel secure in their retirement.

About Us

Want to Join the Trust?

Fill out the form below or contact our managing director to learn more about joining CSD Retirement Trust.

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Copyright © 2026 CSD Retirement Trust - All Rights Reserved.

Managing Director: richard@csdretirementtrust.com

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