Edwards Financial & Associates Protect · Grow · Legacy

For public educators & public employees

See what your pension will actually pay you.

A free 20-minute pension review. Your real numbers, your survivor options, and the gap to plan for. No cost, and nothing to buy.

See my numbers →
20-minute Zoom review No cost, nothing to buy 18 years, serving clients across the U.S.

Not ready to talk? Get the free pension guide instead.

Do you belong to one of these systems?

Your retirement runs on rules most people never learn.

If your pension is one of these, I help you read the rules the institutions never sat you down to explain.

CalSTRS CalPERS LACERA UCRP Texas TRS Nevada PERS Arizona ASRS Washington DRS

Why a review is worth 20 minutes

A pension is a paycheck. Most people never check the math.

It may not replace your paycheck

A pension is a strong foundation, but for many people it does not fully replace pre-retirement income. Knowing the size of that gap early is the whole point.

The hard part is making it last

Saving is only half the job. Turning what you have into income that lasts as long as you do is the question the review is built to answer.

"Just work longer" is not a plan

Health, timing, and life rarely cooperate on schedule. A clear plan you make on purpose beats a plan life makes for you.

Plug the leaks before you pour in more. That starts with seeing your real numbers.

Simple, and genuinely no-pressure

How the review works

1

Book a free Zoom

Pick a time that works. The review takes about 20 minutes, from wherever you are.

2

We look at your numbers

Your pension estimate, your survivor options, and the gap to plan for. This part is education, not a pitch.

3

You leave with clarity

You will understand your situation better than when you started. If a plan makes sense, we talk next steps. If not, no pressure.

There is no cost, and nothing to buy on the call. Any recommendation comes later, only after a full review, and only if it is right for you.

Why work with me

A consultant who has sat across from these exact readers.

  • 18 years helping educators and public employees make sense of their pensions and their money.
  • I know these systems: CalSTRS, CalPERS, LACERA, UCRP, and the Texas, Nevada, Arizona, and Washington systems.
  • I am a consultant, not a salesperson. The review is education first. No cost, and nothing to buy.
  • I specialize in your world, so you are not explaining the basics to someone who has never seen your pension before.
Licensed insurance producer Across the U.S. 100% Zoom Education-first

Free guide

The 7 questions to answer before you retire.

A short, plain-language guide for public educators and public employees. No jargon, no sales pitch, just the questions worth answering while you still have time to act on them.

  • What your pension really replaces, and what it does not
  • The survivor-option decision most people rush
  • How to think about the gap between your pension and your paycheck

Send me the guide

One email with the guide. No spam, and you can unsubscribe anytime.

Straight answers

Questions people ask

Is this a sales pitch?
No. The review is education first. There is no cost, and there is nothing to buy on the call. My goal is that you leave understanding your pension better, whether or not we ever work together.
What does it cost?
The 20-minute review is free. If you later decide you want a full plan, we will talk clearly about what that involves before you commit to anything.
Which pension systems do you cover?
CalSTRS, CalPERS, LACERA, and UCRP in California, plus the Texas, Nevada, Arizona, and Washington public systems. If you are not sure which system you are in, that is one of the first things we sort out together.
How does the Zoom review work?
You book a time, we meet on a video call for about 20 minutes, and we walk through your real numbers together. You do not need to prepare anything special, though it helps to have a recent pension statement handy.
Do you sell financial products?
I am a licensed insurance producer and I do work with insurance and annuity products. Whether any product is ever appropriate for you is decided only after a full review of your situation, and only if it genuinely fits. Nothing is ever sold on the free review call.
Do you work with people in my state?
Yes. I work with public educators and public employees across the United States, all by Zoom, wherever you are.

One small step

Ready to see your numbers?

Book a free 20-minute Zoom pension review. No cost, no pressure, and nothing to buy. Just clarity about the paycheck you have spent a career earning.

Book my free review →