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Complimentary Chapter

“Retiring In America”

If you are a current or retired State employee, you know that the State of California benefit packages are very generous & rather confusing. Understanding the best way to use your benefits and which ones to carry into retirement are very important decisions. Unfortunately, you typically only get one chance to make the right decision.

California Retirement Plans (CRP) specializes in working with State employees as well as those from City, County & Federal sectors, and has done so for over 30 years. We’re constantly reviewing your employee benefits procedures in order to keep you up to date with the most current information. A solid understanding of these procedures is essential for understanding how to properly apply them to an individual’s personal financial circumstances.

CRP provides current and retired State & local employees with a benefit analysis called the “Retirement Roadmap.” The overall goal of this analysis is to aid employees in navigating the complexities in their benefit package in order to make the best decisions for themselves and their families.

By taking advantage of the “Retirement Roadmap” you will learn:
  • How to integrate your CalPERS and/or CalSTRS pension with Social Security to receive your maximum retirement income.
  • How to best use your 401k, 457(b) or 403(b) plans to provide additional retirement income for both you and your spouse.
  • How to effectively integrate your spouse’s retirement benefits with yours.
  • What the best healthcare choices are to take into retirement.
  • How to integrate Medicare with your employer provided health insurance at age 65.
  • Ideas to help protect the value of your 401k, 457(b) or 403(b) plans, and other retirement accounts from market risk.
  • How to maximize your Social Security benefits for you and your spouse.
  • Ideas to help reduce income taxes on Pension, Social Security & investment income.

The objective of the “Retirement Roadmap” is to educate and enlighten you about your benefits package, in order for you to make well- informed decisions. This report is best suited for employees that are within 5 year of retirement or for those who have already retired.

To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at or call us at 661-631-4355 today!

By contacting us, you may be offered information regarding the purchase of insurance and investment products.

Andy Barkate, M.S.

Andy Barkate is the president of California Retirement Plans LLC and is a retirement planning advisor and counselor. He holds a Masters degree in Financial Planning, a designation held by less than 1% of those in the financial services industry.
Andy has been featured as a Financial On-Air Consultant for several TV and radio programs.
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The Social Security Decisions Report is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.