Retirement Planning for Public Educators

We help public employees retire at the youngest age with the greatest benefits. 

Sandstrom & Associates

We work with district approved companies to establish secure retirement solutions for public employees

Sandstrom & Associates began serving California's public educators in 1982. We have since grown to operate and serve thousands of educators in districts across the nation. Our mission is to ensure our clients retire at the youngest age with the greatest benefits. We use modern analytical software to calculate our clients optimal path towards retirement and guide them every step of the way. We look forward to speaking to you or your campus to ensure you're taking the right steps towards a secure retirement. 

Visit our About Us page

S&A offers retirement and insurance solutions to public school employees. These plans provide individuals the opportunity to save towards retirement automatically from each paycheck.  These savings opportunities help bridge the gap between the loss and need for income in retirement. These plans include, but are not limited to:

  • 403(b) / Roth 403(b) - Savings plans funded directly from each paycheck offering growth potential and additional features. Certificated and Classified public school employees have the flexibility to choose how much to save each pay period up to the annual maximum allowed by the IRS (Maximum 403(b) contribution limits for 2022). 
  • IRA / ROTH IRA - Long term savings offering growth potential and additional features. Do you have a loved one who is not a public school employee, but is also in need of retirement or insurance solutions? Talk to our team to discover the benefits and if they will qualify for an individual retirement account.  Individuals may contribute up to the maximum allowed by the IRS (Maximum IRA contribution limits for 2022).
  • Life Insurance Individuals are typically offered a base life insurance plan through their employer while employed. Understanding the coverage you may have in place and plans to meet your insurance needs is imperative. These insurance opportunities provide a resource to help bridge the gap from the coverage provided and coverage needed to meet your insurance goals.  These plans include, but are not limited to: 
    • Term Life Insurance
    • Whole Life Insurance
    • Indexed Universal Life Insurance

Begin by scheduling a review with a team member:

Pick a Time

Choose either a phone or video review

    View Retirement Options

    Speak with a professional to estimate the gap between your working and pension income. Learn how your state pension can work for you to close this gap. 

      Secure Your Retirement

      Close the gap between your loss of income and working income while in retirement. 

        We handle the payroll contribution process and we annually review your account to view policy performance and make any necessary adjustments. 

        Educators working past their 65th birthday has increased 117% in 8 years

        Educators working past their 65th birthday has increased 117% in 8 years

        Cost of Living

        • 133% increase for family health premiums since 2002
        • 5.8% annual Los Angeles housing inflation in 2019

        Longer Lives

        • The American lifespan has increased 20 years since 1970
        • Keeping pace with higher healthcare costs over a longer life on a fixed income is a critical challenge

        Who do we work with?

        Retirees & Pre-Retirees
        Business Owners & Non-Profits
        Congratulations Priscilla for winning the 2022 Life Changer of the Year award!

        S&A representative Edward Sandstrom presented Ms. Grijalva the award after she was selected out of more than 850 nominations across the country to receive one of five top awards and a $5,000 cash prize.

        Edward sandstrom presenting Life Changer of the year award

        If you know a school employee who makes a difference in the lives of students by exemplifying excellence, positive influence and leadership nominate them for the 2023 award by clicking 'Nominate' below!

        Contact Us

        If you have any additional questions feel free to reach out to us by phone or email. 


        • Monday: 8:00 a.m - 4:00 p.m
        • Tuesday: 8:00 a.m - 4:00 p.m
        • Wednesday: 8:00 a.m - 4:00 p.m
        • Thursday: 8:00 a.m - 4:00 p.m
        • Friday: 7:00 a.m - 3:00 p.m
        • Times Shown in PST