(661) 213-3001 403bSpecialist@gmail.com

403(b) OR 457 PLAN

YOUR FUTURE IS IN YOUR HANDS

Participating in a 403(b) plan gives you a valuable opportunity to supplement your CalSTRS or CalPERS defined benefit plan, or pension. With your defined benefit plan, you and your employer contribute a specified amount from your paycheck to the plan.

READ MORE

ABCs of 403(b)s

KNOWLEDGE IS THE CRITICAL FIRST STEP.

READ MORE

WHY YOU NEED A 403(B) OR 457 PLAN

Could you live on just over half of your teaching salary? What would retirement be like on less than two-thirds of your income?

READ MORE

A Few Words About Us

We here at Wise Financial & Insurance Services specialize in looking at the WHOLE PICTURE for our clients by re-allocating and re-positioning retirement assets for safety, growth, legacy planning, and income planning. We gather complete information to help our clients make informed decisions in an easy to understand manner to assist with their particular situation.

What is a 403b

Learn More

Educational Videos

Check our very informative educational video page. Here you can watch and learn some valuable information about financial and insurance services

Learn More

Financial Services

Our primary goal is keeping our clients’ money safe from volatile and risky investments.

Learn More

Insurance Services

Developing the right portfolio of insurance products is an essential step toward a comprehensive financial program or estate planning.

Learn More

Weekly Newsletter

‘Safer’ harbor for annuities can help fix retirement woes

Americans are living longer into retirement, but the financial solutions needed to support them have not kept pace with their needs. With a number of bipartisan proposals currently under consideration, the U.S. Congress has the opportunity to take significant steps...

read more

Did You Let Retirement Scare You Off This Halloween?

Halloween might get less scary as we age, but there are a lot of frightening aspects of retirement in 2018. In fact, recent data on the state of America’s workforce shows just how underprepared for retirement many Americans are. While running out of money, drastic...

read more

IRA Blog

TAKING DISASTER RECOVERY FUNDS FROM RETIREMENT PLANS

By Beverly DeVeny IRA Analyst After Hurricanes Harvey, Irma and Maria in 2017, Congress passed special legislation allowing expanded access to retirement plan funds for individuals affected by those storms.  Congress also previously enacted that sort of legislation...

read more

A NOT SO SIMPLE DISCUSSION ON SIMPLE IRAS

By Jeremy T. Rodriguez, JD IRA Analyst SIMPLE IRAs are popular retirement vehicles for small businesses. They are relatively cheap to adopt and are easy to understand and administer. However, that doesn’t mean problems do not arise. Routinely, we see issues involving...

read more

COMBINING INHERITED IRAS AND THEIR RMDS

By Beverly DeVeny IRA Analyst IRA owners can clearly combine the accounts they own and they can combine the required minimum distributions (RMDs) from multiple IRAs and take them from any one or combination of their IRAs. But what are the rules for inherited IRAs? An...

read more