Retire Ready Tennessee

Discover RetireReadyTN!

We want to help you achieve a healthy, happy, and secure future, no matter where your retirement dreams take you.

collage of Tennessee images—waterfall, Knoxville, Memphis bridge, Nashville theatre, and State Capitol

It's your vision, your retirement. Be ready!

Explore the various resources at your fingertips to help you plan for, manage, and ensure enjoyment of your secure retirement. With RetireReadyTN, you can get a real-time, personalized view of your retirement income, just by logging in.

Log in to your 401(k)/457 accounts Log in to TCRS Self-Service Meet with a Retirement Plan Advisor

We strive to empower public employees to take actionable steps toward preparing for the future.

RetireReadyTN logo with three component flags

Combined strengths. Your complete retirement program.

RetireReadyTN is the state’s retirement program, combining the strengths of one of the nation's strongest defined benefit plans, provided by the Tennessee Consolidated Retirement System (TCRS); a 401(k) plan; and retirement readiness education.


"We work diligently to provide the best possible management of the system, invest the system assets in a prudent manner without undue risk, fund the system on an actuarially-strong basis and provide the best possible services to the members in the system."

— Tennessee Treasurer David H. Lillard, Jr.

Tennessee Consolidated Retirement System (TCRS)

TCRS, your defined benefit plan, provides lifetime retirement, survivor and disability benefits for employees and their beneficiaries.

Recognized as one of the best managed defined benefit plans in the country, the Tennessee Consolidated Retirement System provides lifetime retirement, survivor and disability benefits for members and their beneficiaries. The benefit provided by TCRS is a solid foundation for building a retirement future.

Learn more about the TCRS Log in to TCRS Self-Service

Tennessee Consolidated Retirement System (TCRS) logo

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The 401(k) plan lets you take control of your retirement by investing in fund options of your choice.

You can decide how your money should be invested given your individual goals, risk tolerance, and timeline. The amount you receive from your 401(k) account in retirement is based on how much you save, plus any accumulated earnings from your investments.

Learn more about 401(k) investment options Log in to your 401(k) account

Meet with an Advisor

RetireReadyTN offers retirement readiness education and retirement counseling to all members, free of charge.

Members can meet with a local retirement plan advisor for assistance with retirement planning or to discuss any other financial planning needs. You can schedule a one-on-one or group meeting.

If you are more than three years from retirement, then register for a Retirement Readiness Review. If you plan to retire in the next three years, then register for a counseling appointment.

Register for Retirement Readiness Review Register for retirement counseling

retirement readiness education forum

Let's get started

View retirement information customized for you

Your retirement options may vary, depending on the type of employment. Select your field for customized information:

for Teachers for Higher Education Employees for Local Government Employees for State Employees for Retirees for Employers

Access quick resources

With RetireReadyTN, you have all the resources you need to manage and optimize your retirement planning.

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Do you know who your beneficiary is?

Check your beneficiaries

Female counselor meeting with employee

More than 3 years from retirement?

Register for a Readiness Review

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Within 3 years of retirement?

Call (800) 922-7772 to Schedule a Retirement Counseling session

Questions? Contact us today!

Contact Us

Have questions about your retirement account? We're here to help!

(800) 922-7772 (Main line)

(800) 345-1833 (TDD)

Mailing Address

Andrew Jackson Building, 15th Floor
502 Deaderick Street
Nashville, TN  37243-0201

Deferred Compensation Program
Empower Retirement
PO Box 173764
Denver, CO 80217-3764