If you are a California public school teacher with CalSTRS or a public employee with CalPERS, this presentation will cover all of the relevant information about how your pension works and how to calculate your expected income at retirement. As an industry insider, I also cover some very important information you won’t learn from your district or union.

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Intro 00:00
What we will cover 00:30
About me 00:50
What is a pension? 00:52
Pay stub example 01:07
CalSTRS vs. CalPERS 02:18
How it’s calculated 03:22
CalSTRS age factor 03:45
CalPERS benefit factor 05:13
Service credits 05:42
Final compensation 06:07
CalSTRS calculation example 06:38
Defined Benefit Supplement (DBS) Account 07:09
Windfall 08:34
Pre-retirement counseling 08:50
CalSTRS Pension2 Annuity 09:07
TPA approved Annuities 09:56
403(b) Compare 10:53
Why do I need an annuity? 11:07
Outro 12:22…(read more)

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