Michael Sandstrom


Retirement Educator

 +1 (818) 360-7400 ext. 1


Michael Sandstrom

My Mission Statement

Empower California educators to maximize their state pension and 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

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.  

OCW is a program that publishes free semester long courses on hundreds of beginner and advanced level topics. The MSP is a free program that brings a self-updating, on-premise, online catalog of all OCW courses to your school. This is to ensure students have access to and can reliably stream these videos even if they lack a reliable internet connection at home or school.  Additionally, OCW also supports teachers by sharing open-sourced teaching methods used by MIT professors. The MSP opens up a wide range of learning opportunities to your students and fellow teachers, click the link below for more information. 

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


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.


Many school districts have over 50 companies that are on the Approved Vendor list which can be very overwhelming when choosing who to invest with. So often we hear teachers say that they just started their 403(b)/TSA with the first company that they met with, "Aren't they all the same?" No, they are not all the same! Selecting a retirement plan not tailored to your needs can leave you working years more than needed to achieve the retirement payout you want.

  Long Term Care

Life Insurance and Long Term Care sold separately can get expensive. Our clients utilize hybrid Life Insurance products that offer cash accumulation and a Long Term Care feature. These policies can play a very important role in maximizing your state pension and protect the ones you love.

Retirement Review

Whether you are a first year teacher or are about to retire, letting time go by without understanding your retirement options can be costly.

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