Capital Protection & Retirement Income Planning

I help individuals protect capital and create predictable lifetime income when financial decisions carry long-term consequences.

I work with private clients, public school employees and those receiving inheritances or settlements.

Eddie Sandstrom, CRES

Certified Retirement Education Specialist

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Listed on 403bcompare.com (CA state-sponsored)

When This Work Matters Most

This work is most relevant during periods of transition—when financial decisions feel heavier, irreversible, or emotionally charged.

Common situations include:

  • Approaching or entering retirement
  • Recently leaving employment and holding rollover assets
  • Navigating life after the loss of a spouse
  • Holding significant cash and seeking long-term income stability
In these moments, clarity and predictability often matter more than performance.

Who I Work With

I work with individuals who have accumulated meaningful assets and want protection, predictability, and structure alongside growth.
This includes:

  • Public school employees and administrators
  • Business owners and professionals
  • Individuals navigating retirement, inheritance, or liquidity events

What I Do

My work centers on designing defensive financial strategies intended to protect principal, reduce downside exposure, and create reliable lifetime income.

  • Fixed and indexed annuities.
  • Pension and income-supplement strategies
  • Rollover and repositioning analysis
  • Long-term capital protection planning
This is not investment management. This is risk management and income certainty.

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Retirement Planning for Public School Employees

Scott Schmerelson LAUSD President of the board
Speaker at the public school’s women in leadership convention
Life Changer of the Year award presented to Priscilla Grijalva, public school counselor
Superintendents and administrators from Riverside County
Riverside county administrators presentaiton
Principal Judy Goitia and associate Merlinda Guerra

The real shift happens when we focus on the people holding our schools
together. When educators and staff are supported with clarity, care and access to real solutions; big changes follow.

Customer Reviews

Real feedback from our customers

5.0
11 reviews

Mitra Rissmany

CA Public School Teacher

Truly Life-Changing Support! I can’t speak highly enough of my experience with Eddie sandstorm . Their expert guidance has made a significant difference in my financial life. Thanks to their deep knowledge of the market and personalized strategies, I’ve not only increased my investments but also gained the confidence that my investments are in the right place. What sets them apart is their ability to truly listen and understand my goals, then tailor a clear, smart plan that works for me. They are always proactive, keeping me informed and ahead of market changes. I finally feel like my money is working for me, and I’m no longer stressed about my financial future. If you’re looking for someone honest, strategic, and truly committed to your financial success, I highly recommend Eddie. They’ve helped me grow my wealth and stay on the right track—and I couldn’t be more grateful.

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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