(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.

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ABCs of 403(b)s

KNOWLEDGE IS THE CRITICAL FIRST STEP.

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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?

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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

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Educational Videos

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

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Financial Services

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

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Insurance Services

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

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Weekly Newsletter

Fixed Indexed Annuity: Suze Orman and Annuity

Annuities are getting more and more popular among seniors, and for good reason. Annuities are not right for everyone but are a real blessing for many seniors. Annuities are a popular choice for investors who want to receive a steady stream of income in retirement. The...

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2019 Social Security Earnings Test Limits

If you work while collecting Social Security benefits, you can get hit with hefty benefit reductions. Here are the earnings limits for this year. Can you work and collect Social Security at the same time? The short answer is yes, it's possible. However, if you haven't...

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IRA Blog

PROHIBITED TRANSACTIONS

By Andy Ives, CFP®, AIF® IRA Analyst If I decide to climb on the roof of my house and try to ride a unicycle while blindfolded, it is not illegal. Dangerous, yes, but not in violation of any laws. If I elect to randomly jump off a bridge under the guidance of the...

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INHERITED IRAS AND RMDS: TODAY’S SLOTT REPORT MAILBAG

By Sarah Brenner, JD IRA Analyst Question: Dear Ed, Thanks for all your work on the retirement frontier.  I have a question…we have married clients who are age 70 (he) and 62 (she).  Both clients have IRAs.  The 62-year-old client just passed away.  I know that the...

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