Members Guided
Avg. Monthly Pension Gap Found
Free Consultation
Years of Expertise
How Retirement Ready Are You?
Answer 6 quick questions to uncover potential blind spots in your pension planning. Most members are surprised by what they don't know.
Do you know exactly how your pension benefit is calculated?
Your pension formula determines every dollar you'll receive in retirement.
Are Any of These Costing You Money?
These are the most common gaps we find when reviewing CalSTRS and CalPERS members' retirement plans.
Not Knowing Your Pension Multiplier
Your benefit formula has a multiplier that directly impacts every retirement check. Most members have never verified theirs — a small error here compounds into a massive loss over a 20-30 year retirement.
We can show you exactly what your multiplier means for your bottom line.
Missing Out on Service Credit Purchases
There's a little-known window to buy additional service credits that can boost your monthly pension significantly. But the window doesn't stay open forever.
We can help you evaluate if this strategy is right for you — before it's too late.
No Plan for the Income Gap
Your pension will likely replace 60-70% of your salary. That gap between what you earn now and what you'll receive can mean tens of thousands of dollars per year — unaccounted for.
We can map your real retirement income needs and show you the full picture.
Choosing the Wrong Survivor Benefits
Making the wrong election on survivor benefits is irreversible for most plans. The wrong choice could leave your family without the protection they need — or cost you thousands unnecessarily.
We can walk you through every option so you choose with confidence.
Here's What We'll Uncover Together
This isn't a sales pitch — it's a guided discovery session designed to give you clarity about your pension benefits and retirement readiness. In just 15 minutes, you'll walk away knowing exactly where you stand.
How Your Benefits Actually Work
We break down your specific pension formula, multiplier, and benefit structure so you understand exactly what you've earned.
Navigate Your Pension Portal
Walk through your online portal with a guide — know where to find your projections, elections, and critical documents.
Project Your Pension Income
See realistic projections of your monthly retirement income and understand the gap between that and your actual expenses.
Ensure Retirement Readiness
Get a personalized assessment of whether you're truly on track — and what adjustments could make a real difference.
Members Who Took Action
Hear from CalSTRS and CalPERS members who discovered what they were missing.
“I thought I had my retirement figured out. After one session, I discovered I was missing almost $400 a month in benefits I didn't even know I qualified for. I wish I'd done this years ago.”
Maria T.
CalSTRS Member · 28 Years of Service
“The pension portal was confusing and I kept putting off looking at it. They walked me through everything in 15 minutes. I finally understood my survivor benefit options and made a decision I felt confident about.”
James R.
CalPERS Member · Retired 2023
“We were both CalSTRS members planning to retire within a year of each other. The consultation helped us coordinate our benefits in a way we never would have figured out on our own. It literally changed our retirement timeline.”
Linda & David K.
Both CalSTRS Members · Planning Retirement