CalSTRS Retirement Planning
A New Opportunity to Revisit Your Benefits
Recent federal law has changed how some public employees’ Social Security benefits are calculated.
As a result, some individuals who previously believed they were ineligible for benefits may wish to revisit their situation.
While every case is different, these changes have created new conversations among educators, county employees, state workers, and retirees across California.
Why This Matters
Many public employees spent part of their careers in private-sector employment before joining public service.
As retirement approaches, questions often arise about:
- Social Security eligibility
- Spousal benefits
- Survivor benefits
- Retirement income planning
Recent legislative changes have encouraged many individuals to review their records and explore potential opportunities.
Should You Review Your Situation?
You may wish to take a closer look if:
- You worked in the private sector before public employment.
- You previously believed you were not eligible for Social Security.
- You are approaching retirement.
- You are already retired.
- You have questions about spousal or survivor benefits.
The Importance of Household Planning
Changes to Social Security eligibility can affect both spouses.
That’s why reviewing retirement decisions from a household perspective is often beneficial.
Understanding how pensions, Social Security considerations, survivor benefits, and healthcare planning fit together can help families make more informed decisions.
Final Thoughts
Recent federal law may have changed your Social Security eligibility.
If you haven’t reviewed your situation recently, now may be a good time to explore whether these changes affect you.
Let’s Check Together
Schedule a no-cost planning meeting with Executive Wealth Solutions Insurance Services to discuss your retirement planning questions.