(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

How the New Political Landscape Impacts Retirement

Last year, our study on the state of America’s workforce showed that over one-third of workers from small businesses say that their employer is “not helpful at all” in terms of retirement planning and that one in eight workers are not offered any type of retirement...

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IRA Blog

DIRECT TRANSFER (OR ROLLOVER) – THE BEST WAY TO GO!

By Jeremy Rodriguez, JD IRA Analyst I’m sure you’ve heard countless advisors mention that a direct transfer (or direct rollover) is the best way to move funds between IRAs or qualified retirement plans. But do you understand why? There are a number of reasons, and in...

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REQUIRED MINIMUM DISTRIBUTIONS: TODAY’S SLOTT REPORT MAILBAG

By Sarah Brenner, JD IRA Analyst Question: I have a question about avoiding RMDs for a still-working 72 year old in a 401k plan.  Suppose they don’t have to take 401k RMDs due to the still-working exemption from RMDs.  Let’s say the person knows they will retire next...

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5 IRA CONTRIBUTION RULES THAT MAY SURPRISE YOU

By Sarah Brenner, JD IRA Analyst It’s that time of year again. Tax season is upon us. This is now the time when many individuals consider funding their IRAs. Contributing to an IRA may seem pretty straight forward and in many ways it is! But there can be twists. Here...

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