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
Testimonials
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.
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.
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.
Yes, Eddie was very helpful by explaining things to me and making sure I can understand what it all means for my situation.
Sandstrom associates are very prompt and dedicated with their services
Kudos to them!!
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!
"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."
Mr. Sandstrom was a big help.
Experience was easy and smooth sailing. Everything was
explained throughly and the associate made sure that I understood the
process.
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 can guide you with private sector & public
sector tax advantaged strategies
• Ensure you never miss a distribution from your tax advantaged accounts
Testimonials
Alex Cubi
Airline Captain
"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- Garvey School District
"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!"
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.
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.
Sandstrom associates are very prompt and dedicated with their services
Kudos to them!!
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!
"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."
Yes, Eddie was very helpful by explaining things to me and making sure I can understand what it all means for my situation.
Mr. Sandstrom was a big help.
Experience was easy and smooth sailing. Everything was
explained throughly and the associate made sure that I understood the
process.
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.
We service public school districts in the following states
- California
- Washington
- North Carolina
- Florida
- Georgia
- Arizona
- New Mexico
- Nevada
- Texas
- Kentucky