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
Services
• Maximize your state pension and social security benefits
• Maximize your 403(b), 457(b), IRA, Roth IRA and/or 401k plan
• Guaranteed Lifetime Income Options
• Pension Education Seminars
• Roadmap to retirement
• Financial literacy 101
• Rescue your 403(b) or IRA
• School event sponsorships
• Explore ways to reduce tax liability
• Tax deferred options
• Tax advantaged options
• Roth IRA conversions
• Discuss your income distribution options prior to retiring
• Ensuring you choose the right modified or unmodified benefits
• Life insurance
We service public school districts in the following states
- California
- Washington
- North Carolina
- Florida
- Georgia
- Arizona
- New Mexico
- Nevada
- Texas
- Kentucky