Secure Your Future: Plan Your Retirement with Confidence

Your Guide to Understanding and Maximizing Your CalSTRS & CalPERS Pension Benefits

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Your Retirement Guide: Understanding Your Pension

We are dedicated to helping teachers and school employees navigate their CalSTRS and CalPERS retirement benefits. Our website provides clear information, resources, and personalized support to empower you to make informed financial decisions for a secure future. Please feel free to ask our Chatbot any question that you may have about your pension.

Your Guide to a Secure Retirement: Understanding Your Teacher Pension Benefits

A split-screen image. On the left, a teacher stands at a whiteboard explaining a pension calculation formula. On the right, a happy retired couple enjoys their time on a beach, symbolizing financial security in retirement.

Understanding Your Pension Plans

Learn how your CalSTRS or CalPERS, contributions work, and how your pension is calculated based on your years of service and final compensation. What does that 2% really mean?

A vibrant infographic showcasing a retirement plan with adjustable elements like years of service, final compensation, and retirement age, illustrating how different choices impact the final pension amount.

Maximizing Your Retirement Income

Discover strategies to increase your pension benefits, such as exploring different retirement options, and understanding the impact of early or late retirement.

A professional financial advisor sits with a teacher, reviewing a retirement plan document. In the background, a montage of images shows the teacher enjoying various retirement activities like traveling, hobbies, and spending time with family.

Planning for Your Future

Access personalized pension reviews, educational resources, and financial planning tools to make informed decisions about your retirement savings and ensure a comfortable future.

CalSTRS & CalPERS Explained: Demystifying Your Pension Plan

A close-up photo of a teacher or school employee filling out a form with a calculator and a piggy bank next to it, symbolizing contributions to the pension plan. The background should be a classroom setting with books and a whiteboard.

Understanding Your Contributions

Learn how your contributions to CalSTRS or CalPERS work, how they are allocated, and how they contribute to your future pension benefits.

An infographic with colorful icons and graphs depicting the formula for calculating a teacher's pension, emphasizing elements like years of service, final compensation, and retirement age. The infographic should have a clean and modern design.

Calculating Your Pension

Discover the formula used to calculate your retirement benefits based on your years of service, salary, and other factors.

A teacher or school employee sitting at a desk, using a laptop with a financial planning website open. The laptop screen should display a pension calculator and a chart showing projected retirement income. The surrounding environment should be a home office setting.

Retirement Planning Tools

Explore resources and calculators to estimate your future pension payouts, plan for retirement expenses, and adjust your contributions to maximize your income.

Maximize Your Retirement Income: Essential Tools and Resources for Educators

A teacher sitting at a desk, reviewing a pension plan document with a magnifying glass. The document should be visually appealing and include charts, graphs, and key information about retirement benefits. The background should be a calming office setting with natural light.

Understanding Your Pension Plan

Gain a clear understanding of how your CalSTRS or CalPERS pension plan works, including how your benefits are calculated and your retirement eligibility.

A teacher using a digital tablet to interact with a retirement planning tool. The tool should be visually engaging and display personalized calculations, charts, and graphs showing the impact of different contribution and benefit options on their projected retirement income. The background should be a modern, technology-driven office space with a clean and professional look.

Maximize Your Contributions and Benefits

Explore ways to increase your future retirement income, and optimize your service credits to maximize your retirement income. We will potentially show you money that you didn't know you had.

A teacher meeting with a financial advisor in a comfortable and welcoming office setting. The advisor is explaining pension options and providing personalized financial advice, while the teacher is actively listening and asking questions. The background should be a warm and inviting office space with natural light and a bookshelf filled with financial resources.

Personalized Guidance and Support

Schedule an appointment for a personalized pension review and access ongoing educational resources to ensure you make informed financial decisions for a secure retirement. All at no cost

Empowering Your Retirement Journey

Pension Plan Guides

A serene, inviting image of a teacher sitting at a desk in a well-lit office, sunlight streaming through a window. The teacher is reviewing a detailed pension plan guide, with a laptop open beside them. The guide is filled with colorful charts and graphs, showcasing key retirement planning concepts. The desk is clean and organized, with a potted plant adding a touch of nature. The scene radiates calmness and clarity, emphasizing the supportive and informative nature of the guides. Capture the image in high-resolution (8K), utilizing a cinematic camera angle for a professional and engaging feel. Render the image in a realistic style, with soft lighting that illuminates the scene evenly. Emphasize the tactile details of the paper, the crispness of the digital display, and the natural texture of the plant. Let the overall composition evoke a sense of confidence and security, assuring teachers that they have the knowledge and resources to plan for a fulfilling retirement.

Comprehensive resources on CalSTRS and CalPERS plans.

Retirement Calculators

An image of a teacher interacting with an interactive retirement calculator on a tablet. The teacher is smiling and looking intently at the screen, demonstrating the engaging and user-friendly nature of the tool. The background is a modern office setting, with sleek desks and natural light streaming in through large windows. The calculator interface is bright and colorful, showcasing various options and calculations in an intuitive and visually appealing manner. Capture the scene with a close-up shot, focusing on the teacher's hands interacting with the tablet. Use warm, inviting lighting to create a positive and encouraging atmosphere. The overall image should convey a sense of optimism, control, and empowerment as the teacher confidently explores their retirement planning options.

Interactive tools to estimate future retirement income.

Personalized Pension Reviews

A professional and welcoming scene of a financial advisor meeting with a teacher in a conference room. The advisor is seated across from the teacher, attentively listening and engaging in a discussion. The room is bright and airy, with large windows providing natural light. The advisor's desk is organized and professional, with relevant financial documents and a laptop. The teacher has a concerned but hopeful expression, indicating a sense of trust and reliance on the advisor's expertise. Capture the image in a medium-shot, framing both the advisor and the teacher. Use soft, diffused lighting to create a comfortable and intimate atmosphere. Render the image with high detail, emphasizing the subtle expressions on their faces and the texture of the documents. The overall composition should convey a sense of partnership and support, highlighting the personalized and attentive nature of the pension review service.

One-on-one consultations to review your individual plan.

Loving Words

I've been a teacher for 20 years, and I can confidently say that OIC has been a reliable partner in planning my retirement. No one in my district or CalSTRS gave me the information like they did. They gave excellent resources and personalized guidance and that makes me feel secure about my future.

Sarah J.

As a school administrator, I appreciate the ease of managing my retirement planning through OIC. They showed me how to navigate my pension portal. They took the time to make sure I understood my options. They really care!

David M.

I was initially overwhelmed by the complexities of retirement planning, but OIC made the process simple and stress-free. Their team answered all my questions and provided me with a clear plan for my future.

Maria R.

Secure your future and protect your hard-earned retirement savings. Let our experienced financial advisors guide you through the complexities of your State Teachers and School Employees Pension Educators plan. We'll help you make informed decisions for a comfortable and financially secure retirement.

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