CalSTRS & CalPERS Review
Public school teachers and other public employees in California know how difficult it can be to understand the state’s CalSTRS and CalPERS retirement systems. The complexity of these systems with their long lists of rules, acronyms and benefit choices can overwhelm even the savviest among us. This is why it makes a lot of sense to have seasoned experts by your side who can examine your portfolio and provide advice on the best way to move forward.
The CERTIFIED FINANCIAL PLANNERTM professionals at Portfolio Advisors can be the second set of eyes you need for your CalSTRS/CalPERS annual report. With a one-time consultation from our qualified experts, you can optimize your portfolio and put yourself in a much better position to reap the benefits when you retire.
What to Expect from Our CalSTRS/CalPERS Review Services
Choosing our CalSTRS/CalPERS review services means you can have your retirement portfolio examined by certified professionals who know how to optimize your planning. The process begins with a 30-minute initial meeting. There, one of our advisors will talk to you about your situation and goals for the future, including a review of your current CalSTRS/CalPERS benefits. We’ll also schedule a follow-up 30-minute meeting to go over our analysis and provide you with a comprehensive report containing observations and recommendations. If needed, we also can provide add-on services to assist with paperwork or understanding particularly complicated situations.
Why Expert Advice Matters for CalSTRS/CalPERS
Given how important and complex your retirement planning is, it can be extremely helpful to have the expertise of our advisors on your side. Whether you’re on the cusp of retirement or still have many years to go in your career, we can provide you with peace of mind. Our advisory services can help you understand whether you’re paying too much in terms of fees, taking on the wrong level of risk, or want a second opinion because you’ve lost confidence in your regular advisor.
Our status as a fee-only fiduciary means we hold ourselves to a higher standard than many other advisory firms. We put the needs of our clients first and foremost in every decision we make, so you can have confidence that we’ll never try to force you into accepting a plan that isn’t 100% in your best interests. You also can count on us to explain everything in clear, easy-to-understand terms so you’re not swamped with complex concepts and understand everything we suggest as thoroughly as possible. If you’re ready to learn more about our CalSTRS/CalPERS consultations for yourself, reach out and speak with one of our advisors today to get started.
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For more information on the CERTIFIED FINANCIAL PLANNERTM credential, please see our Disclosures page. Not all services will be necessary or appropriate for all clients, and the potential value and benefit of the adviser’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances and overall objectives. Neither customized services nor the scope or nature of financial planning should be construed as guarantees of a particular outcome. Comprehensive financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to the adviser, but may not consider literally all aspects of a client’s financial affairs. Clients are free to accept or reject any planning recommendations provided by the firm and may choose to implement accepted recommendations with the professional(s) of the client’s choosing. The effectiveness and potential success of adviser’s services can depend on a variety of factors, including but not limited to the manner and timing of implementation, the client’s tax bracket and financial circumstances, coordination with the client and the client’s other engaged professionals, market conditions, and other factors. Portfolio Advisors, Inc. is neither a law firm nor an accounting firm and does not provide legal or tax advice. Website visitors and clients should consult an attorney or tax professional regarding their specific legal or tax situation. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.