Sandstrom & Associates
For over 30 years we have helped public school employees understand their state pension and establish secure retirement solutions.
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 analytical software to calculate your optimal paths toward retirement and maintain . 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.
- Why would you not? Supplemental savings plans are part of the BENEFITS of working with your public state employer. This allows for more control of when, where and how individuals can contribute towards the future.
- Every contribution helps! Start with any amount and adjust as needed, but just start. Individuals are able to increase and decrease their contributions as needed. It is suggested to increase your contributions ongoingly with portions of each raise.
- Plans made for all public school employees! Done directly through payroll, individuals have the ability to build their secure financial future.
- Reliable, knowledgeable and experienced service. S&A has guided employees for over 30 years utilizing top industry ranking providers at little to no cost. Our team of agents at Sandstrom & Associates work to ensure you make the most of the savings opportunities available during your working years.
Educators working past their 65th birthday has increased 117% in 8 years1
Educators working past their 65th birthday has increased 117% in 8 years1
Cost of Living
- 133% increase for family health premiums since 20022
- 5.8% annual Los Angeles housing inflation in 20193
Longer Lives
- The American lifespan has increased 20 years since 19704
- Keeping pace with higher healthcare costs over a longer life on a fixed income is a critical challenge
Assisting public employees in the following states
- California
- Washington
- North Carolina
- Florida
- Georgia
- Arizona
- New Mexico
- Nevada
- Texas
- Kentucky
Congratulations Priscilla for winning National Life Group's 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.
