I have close family in teaching, national school teaching. I could say a bit about where the profession is going and how difficult it has become. But my advice to you would be to contact someone like Cornmarket who deal an awful lot with NT's and as far as I know you will get a free and fairly thorough financial makeover as regards pension, etc, with no obligation to do as they say. Some will say their products, commission, etc, is expensive but you don't have to buy as I said and the advice will be good in my opinion. Certainly better than what you "might" get here