CalSTRS typically replaces only 50-70% of your final salary. If you're used to living on your full paycheck, That's a real monthly shortfall in retirement.
Most California educators don't pay into Social Security - so unlike private-sector workers, your pension is often the whole show. There's no second check coming.
Your pension is taxable, and its modest COLA rarely keeps up with real inflation. Over a 25-30 year retirement, your purchasing power can quietly erode.
The quiz and your Gap Closer Call cost nothing. No obligation ever.
Eight quick questions. Get your personalized Reality Score instantly.
We specialize in strategies designed to grow and distribute money tax-free in retirement.
Yes. The Reality Score quiz and your follow-up Gap Closer Call are completely free, with zero obligation. We only earn anything if you later choose to work with us on a solution.
You'll get your personalized Reality Score on the spot. If you'd like to go deeper, you can book a free 15-minute Gap Closer Call where a specialist runs your actual pension numbers with you.
No, we're an independent retirement planning firm. CalSTRS is your pension system - we simply help educators understand and plan around its limitations.
The earlier the better. The strategies that create tax-free retirement income work best with time on your side - even 5-10 years makes a meaningful difference.