Patti Fagan Financial & Insurance Services



2100 Garden Road, Suite C307
Monterey, CA 93940


(831) 641-7127


(408) 317-1865

CalSTRS Retirement Planning


Got questions about your Cal-STRS, 403(b) or 457 plan?

Patti Fagan has answers.

Patti helps school teachers and educational professionals plan for a secure retirement.

With a variety of financial resources available, I help California educators successfully navigate their Cal-STRS and 403b options, so they can create a customized blueprint to get them to their retirement goals sooner.

Step One – Attend a retirement seminar for teachers

As a California educator, the first step in planning for your future is to understand how your CalSTRS (California State Teachers Retirement System) pension works. A private study indicates that 2 out of 3 teachers do not fully understand their retirement pension program.

By attending my seminar, you'll begin to master the basics of planning for a financially secure retirement. Even if all you do is attend the retirement planning seminar, you will walk away with a wealth of knowledge, and a better understanding of how CalSTRS and 403(b) plans work.

Step Two – Create Your Personal Financial Lesson Plan

You've probably written hundreds of lesson plans throughout your career. When it comes to your financial future, I want to help you prepare the lesson plan that really counts – YOUR financial lesson plan.

Sitting down one-on-one with me can help ensure that you have the means to retire with enough savings so that you won't outlive your money. Yes, STRS is a lifetime pension, but it will probably provide only 60-70% of your retirement income. You need additional assets to cover the tax and the other 30-40% of income needed.

Additionally, you'll need a plan for how to cover healthcare cost, because Medicare does not cover Long Term Care costs.

 Together, we'll build a retirement roadmap tailored to your specific situation that will provide the additional security you need, and carry you on the path to your financial dreams.

You'll get the help you need in your area of concern.

  • Retirement Income Planning – avoid outliving your money

  • Minimizing taxes on retirement income and inheritances

  • How to safeguard your money 

  • Choosing the best 403b plan for your needs

  • Leaving an estate for your heirs

  • How to plan for long term care & healthcare costs in retirement


It doesn't matter if you are a financially savvy or still have a lot to learn about money, you will benefit from my Investing 101 Lesson Plan designed to teach you the basics of investing for retirement.

You've spent your career working hard for your money. Now, let me show you how to put your money to work for you.

A complimentary analysis of your current retirement options is available to help you determine how to best maximize your financial security.

To request a no-obligation, complimentary consultation with me, simply fill out the form here. Someone from my office will be in touch in the next two business days.



Phone: (831) 641-7127

FAX: (403) 317-1865