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TEACHERS

With so much misinformation out there, planning for your retirement can get very confusing. With our wealth of knowledge and experience in this area, it's great to know you have our team on your side!

CalSTRS/ CalPERS
 
For over 35 years we have been helping CalSTRS and CalPERS members to understand and maximize their state pension as well as all of their supplemental plans. It is essential that you have a clear picture of how your pension works with your overall picture, including your beneficiary options.
 
You are only going to retire once. For us, we have helped thousands of CalSTRS and CalPERS members retire comfortably and we are here to help guide you through the process.
 
403b's/ TSA's
 
This is what we do best. Many school districts have over 50 companies that are on the Approved Vendor list which can be very overwhelming when choosing who to invest with. So often we hear teachers say that they just started their 403b/ TSA with the first company that they met with, "Aren't they all the same?" No, they are not all the same!
 
Being with the right company can literally shave years off of your work load. Being with the wrong company could force you to work longer than you had anticipated.
 

We have the luxury of being licensed on with many of the top A+ rated financial and insurance companies by A.M. Best. It is our job to do all the tedious leg work for you as we research insurance companies, their products, their history, ratings and performance, as well which company will be best suited for you!

Life Insurance/ Long Term Care
 
Many teachers ask us if we can help them with Life Insurance and Long Term Care. The answer is Yes! We have relationships with many different carriers and we can help you decide which company will be best suited for you.
 
Life Insurance and Long Term Care sold separately can get expensive. Our clients love the new hybrid Life Insurance products that offer cash accumulation and a Long Term Care feature at no additional charge. Having one of these new hybrid policies can play a very important part in maximizing your state pension as well as protecting the ones you love.

For the latest ratings, access www.ambest.com

ROBBY WELLES

 

RETIREMENT SPECIALIST

SANDSTROM & ASSOCIATES

© 2015 by Robby Welles.

 

All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Office: 818.360.7400

Cell: 310.308.5995

Fax: 818.360.7411

Email: rwelles@robbywelles.com

17038 San Fernando Mission Blvd.
Granada Hills, Ca 91344

*Fixed Index Annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. They may not be appropriate for all clients. Mr. Welles  should not be viewed as providing legal, tax or investment advice

 

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