Download the free Retirement Clarity Checklist — a structured tool to help you see the full picture before the irrevocable moment.
No obligations. No required call. Instant access.
Five structured questions designed to surface what most educators never think to ask before their pension election.
Do you know the exact dollar difference between your Member-Only Benefit and your survivor option?
Have you ever been quoted on private life insurance coverage to protect your beneficiary independently?
Do you know whether your pension survivor election is irrevocable — and what that means for your spouse if they predecease you?
Have you calculated the cumulative cost of the survivor reduction over a 20–25 year retirement?
Have you had an educational conversation with a CalSTRS pension specialist — not just your HR department?
If any of these describe you, this checklist was built with your situation in mind.
CalSTRS members retiring within 1–3 years.
Married educators with a spouse or dependents to protect.
Anyone facing a pending pension election who has not seen all their options.
Answers to the most common questions about this resource.
No. It is an educational tool designed to help you ask better questions — not to tell what to decide. It is not financial, tax, or legal advice.
Yes. No hidden obligations, no required call, no sales follow-up unless you request one.
No. Download directly — no meeting required.
The checklist may still be useful for adjacent decisions and future planning conversations.
Our process begins with education. If an individual’s analysis supports a private solution, we discuss those options — but only after a thorough review of your specific situation, and always from a fiduciary perspective.
Most people work through it in 20–30 minutes. It is designed to be revisited as your situation evolves.
Absolutely — recommended. Retirement decisions affect more than one person.
A no-obligation educational review of your CalSTRS pension options — at no cost.
This content is provided for educational and informational purposes only. It does not constitute financial, legal, or investment advice and should not be relied upon as such. Insurance products and their suitability depend on individual circumstances. No agent-client relationship is created by accessing this content. Consult a licensed insurance professional before making any insurance or pension-related decisions.
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