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Annuities/ Supplemental Savings

403(b), IRA, 401k, 457, Roth 403(b), Roth IRA, SEP IRA, and College Planning 529 accounts. 

 

Investing with safety and growth potential for a stream of income during retirement!

 

We focus our attention on fixed indexed annuities for the following reasons:

1. As the stock market goes up, you share in the interest earned. 

2. As the stock market goes down, your principal is protected!

3. Interest compounds daily securing all interest earned annually. 

4. Minimum interest rate growth is guaranteed on fixed account funds.

Contact our team to assess your current situation to help develop the best plan!

Life Insurance and Hybrid Policies 

Protecting your loved ones when it is needed most. New hybrid policies provide living benefits, tax free income during retirement, aspects of long term care and a death benefit.  

1. Term Life Insurance: 

  • The most inexpensive form of life insurance.  

  • Typically ranging from 10 to 30 year terms. 

 

2. Index Universal Life Insurance: 

  • A modern day hybrid policy providing death benefit protection and living benefits.

  • IUL's offer components of longterm care, death benefit protection and cash value growth which can be utilized as a lifetime stream of tax-free income in retirement. 

 

3. Whole Life Insurance:

  • Provides guaranteed coverage until policy maturity typically at the age of 120. 

  • Builds cash value accessible as tax-free income in retirement.

Contact our team to assess your situation and help develop the best plan for you and your loved ones. 

Lunch n' Learn / Staff Presentation 

Educating certificated and classified employees on their CalSTRS, CalPERS, and Social Security benefits. 

Topics covered:

  1. Calculating your retirement benefit to determine the youngest age to retire with the greatest benefits. 

  2. The percentage of income taken from each paycheck for your pension program and the percent matched.

  3. How to best utilize your 403(b), 457, and IRA. 

  4. Which retirement election option is best suitable and why. 

Contact our team to provide you and your staff with a wealth of knowledge. You only have one shot to capitalizing on your retirement benefit, trust Sandstrom & Associates to help develop the best plan possible!