Free CalSTRS

Pension Review

for California Teachers

with Roxie Allison

Build Your Retirement Plan Around Your CalSTRS Pension

A CalSTRS pension is calculated differently from a traditional retirement account. Your service credit, age factor, final compensation and benefit structure all help determine your monthly retirement income.

Roxie Allison helps California educators understand these moving parts and see how their pension fits into a complete retirement strategy.

Your personalized CalSTRS review can help answer questions such as:

Are you covered by CalSTRS 2% at 60 or CalSTRS 2% at 62?
How much monthly pension income could you receive at different retirement ages?
How could working longer affect your service credit, age factor and final benefit?
Will your CalSTRS pension and other savings cover your expected retirement expenses?

Your pension is only one part of retirement. We will organize your projected CalSTRS income, Social Security benefits, 403(b) or 457 savings, other accounts and monthly expenses into one clear retirement income picture.

What We Can Review Together

Your CalSTRS Retirement Progress Report and projected monthly benefit
How different retirement dates could change your pension income
Your Defined Benefit Supplement, 403(b), 457 and other retirement savings
Potential income gaps and options for creating additional retirement income

CalSTRS Pension and 403(b) Retirement Income Options

CalSTRS provides lifetime pension income, but your benefit may not replace your full working salary. Savings from a 403(b), 457 or other retirement account may help cover the difference and create additional income for essential expenses.

Roxie Allison helps California teachers compare ways to use retirement savings, including fixed and fixed indexed annuities. You will review potential income, guarantees, surrender periods, access to funds and limitations before deciding whether an annuity belongs in your retirement plan.

Your CalSTRS retirement income review may include:

Estimating your monthly CalSTRS pension at different retirement ages
Comparing your projected income with your expected retirement expenses
Reviewing fixed and fixed indexed annuities for additional income
Understanding income choices, surrender charges, liquidity and guarantees

Could an Annuity Supplement Your CalSTRS Pension?

An annuity may provide another source of retirement income, but it is not appropriate for every California teacher. Roxie Allison can help you evaluate how an annuity could work with your CalSTRS pension, Social Security benefits, 403(b), 457 and other savings before you make a decision.

CalSTRS Survivor Benefits and Life Insurance for California Teachers

CalSTRS offers beneficiary and survivor benefit choices, but your pension may not address every need your family could face. Life insurance can provide separate protection for lost income, a mortgage, final expenses and other financial responsibilities.

Term Life Insurance for Working Educators

Term life insurance provides coverage for a selected period, such as 10, 20 or 30 years. California teachers may use it to protect their income, family and major financial obligations during their working years.

Permanent Whole Life Insurance

Whole life insurance can provide permanent coverage, level premiums and guaranteed cash value when policy requirements are met. It may be considered for final expenses, lifelong protection or leaving money to beneficiaries.

Indexed Universal Life Insurance

Indexed universal life insurance offers permanent coverage, flexible premiums and cash-value interest linked to an external market index. The policy is not directly invested in the market, and charges, caps, participation rates and other limitations apply.

During your California teacher retirement review, Roxie Allison can help you compare your CalSTRS survivor benefit choices with your existing life insurance, debts, household income and family protection needs.

Stress-Test Your CalSTRS Retirement Plan Before You Retire

A CalSTRS pension estimate shows projected income, but it does not show whether that income will support your desired lifestyle. Healthcare expenses, inflation, emergencies and changes in household income can all affect how long your savings may last.

Roxie Allison helps California teachers test their retirement plan against realistic situations. Together, you can examine how CalSTRS benefits, cash reserves, retirement accounts and insurance may work when expenses or family circumstances change.

Calculating how much emergency savings you may need in retirement
Reviewing CalSTRS beneficiary and survivor benefit elections
Planning for healthcare costs and possible long-term care needs
Estimating how inflation could affect your future purchasing power

Plan for Expenses Your CalSTRS Pension May Not Cover

Your CalSTRS pension can provide dependable lifetime income, but retirement may still bring large or unexpected expenses. Roxie Allison can help you evaluate income gaps, emergency reserves, family protection and additional income options before those challenges arise.

Personal CalSTRS Retirement Help for California Teachers

Turn your CalSTRS information into a retirement plan you understand

Organizing your CalSTRS estimates, service credit and retirement timeline
Defining the income and lifestyle you want after leaving the classroom
Making CalSTRS benefit choices easier to understand
Finding potential shortfalls between projected income and monthly expenses

You stay in control throughout the process. Roxie provides straightforward CalSTRS retirement guidance, answers your questions and helps you understand the choices that may shape your income as a retired California educator.

Ready to Review Your CalSTRS Retirement Benefits?

Get a clearer picture of your projected CalSTRS pension, retirement timeline and other income sources before making important retirement decisions.

Choose a convenient time for a private conversation with Roxie. Bring your CalSTRS Retirement Progress Report, recent benefit estimate and any questions you want answered.