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Retirement Solutions for Public Educators

Helping public employees plan for an earlier, better retirement.
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Free • Phone or Zoom • No obligation

Where public educators can find flexible and comprehensive retirement solutions to protect their future.

44

years serving educators

8,500+

educators served

60+

school districts

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. 

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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

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    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. 

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        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

        A story of compound interest

        Bridge The Gap 
        New to the job
        Open your first 403(b), start small
        Mid-career
        Check fees, find old accounts
        Retiring within 5 years
        The 12 things to confirm first
        Your review — 30 minutes, three answers
        • What will my pension pay?
        • What is my retirement income gap?
        • What are my options?

        Customer Reviews

        Real feedback from our customers

        Shanthi K.

        CA Public School Teacher

        Sandstrom associates are very prompt and dedicated with their services. Kudos to them!!

        Hunter Franklin

        CA Public School Teacher

        Eddie is very professional and helpful! He answered all of my questions and worked hard to get everything done in a timely manner. He is a great asset to this company!

        Victoria Velasquez

        School Principal

        It is a pleasure to work with Sandstrom & Associates. They made the pension easy to understand for myself and our staff. Thanks to S&A, my 403(b) has earned great interest and was protected through the crash of 2008 and 2020! I give an A+ for knowledge and service.

        Lavetta Johnson

        TX Public School Teacher

        Yes, Eddie was very helpful by explaining things to me and making sure I can understand what it all means for my situation.

        Tyler Sabatke

        CA Public School Teacher

        Mr. Sandstrom was a big help.

        Keyonna Williams

        NC Public School Teacher

        Experience was easy and smooth sailing. Everything was explained throughly and the associate made sure that I understood the process.

        Andrea Harris

        GA Public School Teacher

        Eddie is very knowledgeable and is an excellent communicator. He made us feel comfortable asking basic questions, as we are still in the fact-finding stage of retirement planning.

        Dayna Blankenship

        CA Public School Teacher

        Alex Cubi

        Airline Pilot

        Couldn't ask for a better experience. Sandstrom & Associates manages my Life Insurance policy. The peace of mind provided is priceless and the assistance is top notch. It is great knowing my policy is in great hands.

        Alex Yusem

        Retired Superintendent

        I have been a client of Sandstrom & Associates for over 25 years. There is no agency I trust more with my supplemental savings 403(b) and IRA. Garvey School District is grateful for the informative staff presentations regarding the state pension. I highly recommend Sandstrom & Associates to host your district professional development meetings to discuss the the pension and retirement plans!

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