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Am I saving enough?
How much do I need to retire?
What do I do when I change districts?
Retirement Planning Built Specifically for Educators
Educators face unique retirement challenges. Pensions, service credit rules, supplemental accounts, and benefit decisions all impact retirement income. Our services are designed to help you understand these moving parts and turn them into a clear plan.
How do I file for retirement?
5 things you don’t know about your CalSTRS account
What to bring to our first strategy session
Am I saving enough?
How much do I need to retire?
What do I do when I change districts?
Retirement Planning Built Specifically for Educators
Educators face unique retirement challenges. Pensions, service credit rules, supplemental accounts, and benefit decisions all impact retirement income. Our services are designed to help you understand these moving parts and turn them into a clear plan.
Educators face unique retirement challenges. Pensions, service credit rules, supplemental accounts, and benefit decisions all impact retirement income. Our services are designed to help you understand these moving parts and turn them into a clear plan.
Our pension analysis includes:
CalSTRS and CalPERS pension reviews
Identification of missing or incomplete service credits
Review of part-time, substitute, maternity, and sick leave impact
Options to restore service years when available
Explanation of how unused sick days can increase retirement benefits
Our retirement planning services include:
Personalized retirement income plans
Payout option comparisons
Spousal and dependent income protection strategies
Education on supplemental pension accounts
Guidance on accessing retirement income efficiently
Asset protection services include:
Insurance coverage reviews
Health-related financial protection planning
Beneficiary reviews so your family knows what to expect
Long-term income continuity strategies
We help clients understand:
How pensions and retirement income are taxed
Strategies to improve tax efficiency in retirement
Required Minimum Distribution (RMD) considerations
Coordination with licensed tax professionals
Our pension analysis includes:
-
CalSTRS and CalPERS pension reviews
-
Identification of missing or incomplete service credits
-
Review of part-time, substitute, maternity, and sick leave impact
-
Options to restore service years when available
-
Explanation of how unused sick days can increase retirement benefits
Retirement Planning
Our retirement planning services include:
-
Personalized retirement income plans
-
Payout option comparisons
-
Spousal and dependent income protection strategies
-
Education on supplemental pension accounts
-
Guidance on accessing retirement income efficiently
Asset Protection
Asset protection services include:
-
Insurance coverage reviews
-
Health-related financial protection planning
-
Beneficiary reviews so your family knows what to expect
-
Long-term income continuity strategies
What We Offer
Our pension analysis includes:
-
CalSTRS and CalPERS pension reviews
-
Identification of missing or incomplete service credits
-
Review of part-time, substitute, maternity, and sick leave impact
-
Options to restore service years when available
-
Explanation of how unused sick days can increase retirement benefits
Our services work together to create a complete, personalized retirement strategy.
Pension Analysis
The Problem
Most educators are unaware that their pension may replace only 50–60% of their income in retirement. Missed service years, part-time work, leaves of absence, or early career changes can quietly reduce benefits often without you realizing it until it’s too late.
Add to that the stress of rising costs, health concerns, and family responsibilities, and many educators feel uncertain about whether they can ever retire comfortably.
Our Solution
We create personalized retirement income plans designed to provide clarity, confidence, and long-term security. Our focus is not on chasing market returns, but on building reliable income you can count on for life.
Agent Opportunities
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Explore career opportunities with Peak Solutions Financial.
