Michael Sandstrom

Founder & CEO

CA Retirement Specialist

My Mission Statement

Empower public employees to financially secure their retirement

Michael started Sandstrom & Associates in 1992, and has since served thousands of public school employees throughout California. With decades of experience retirement planning for members of the CA public school system, Michael ensures his clients are taking the right steps for a financially secure retirement. Michael will close the information gap between you and your state pension so you can reach your retirement goals.

  • 403(b)
  • 401(k)
  • IRA
  • Life Insurance
  • Paycheck Analysis
  • Campus/Group Presentations

District Savings Plans

As a public employee, your are able to contribute to a 403(b) retirement savings plan from each paycheck offering tax advantages. We guide our clients through the process of maximizing this savings opportunity to narrow their retirement income gap.

See Maximum 403(b) contribution limits for 2022

Get Started


We have helped thousands of public school employees maximize their state pension and supplemental plans. Whether you are a first year teacher or are in the process of retiring we guide you every step of the way towards retiring at the youngest age possible with the greatest benefits.

Michael holds the role of educators in our society to the highest regard and believes knowledge is a public good. In support of these values, he is a sponsor of the Massachusetts Institute of Technology's Mirror Site (MSP) & OpenCourseWare (OCW) Programs.  

The MSP is a free program sponsored by MIT that will bring an up-to-date catalog of semester-long courses on hundreds of topics to your school's campus. This is to ensure students have access to and can reliably stream these materials  even if they lack a reliable internet connection at home.  Additionally, OCW also supports teachers by sharing open-sourced teaching methods used by MIT professors.

For more information on the MIT Mirror Site Program and OpenCourseWare, click here

Schedule a Review

Select a review with Michael 

Learn and Plan

Is inflation deflating your budget?

If it seems like your grocery bill is higher than last year, it probably is. Inflation is up 7% over the past year – which is the fastest increase since 1982.1 If you’re trying to eat healthier without breaking your budget, consider the following tips:

Is inflation hurting your budget?

Get a retirement “paycheck”: How to plan your retirement income

When you retire you have a lot to look forward to, from traveling, pursuing your favorite hobbies, and spending time with your family. While looking toward the future, it’s important to remember what you may need to do before you enjoy your golden years. That’s why retirement income planning can be so important.

Is inflation hurting your budget?

Experience the life you want to live in retirement

Contact Me

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