Peak Earning Years: Optimizing Your Career Factor
You have vested. Now it is about the "Career Factor" bonus for 30 years of service and maximizing your "Highest Three" salary average. It is time to audit your fees and buy back service credit.
Stage-Specific Hurdles
The specific financial challenges of your current CalSTRS career stage.
Service Credit Buyback
Maternity leave or out-of-state teaching? Buying back years now is cheaper than waiting until age 60.
The 403(b) Fee Drain
You likely have $50k+ saved. A 2% fee is now costing you thousands per year. We audit your vendor.
Step & Column Projection
Is that Masters Degree worth the salary bump vs. the cost of tuition? We model the ROI.
Dependent Protection
Audit your CalSTRS Survivor Benefits vs. private term life insurance to protect your family.
Specialized Strategic Focus
Mid-career is the "Danger Zone" where hidden fees eat the most growth. We focus on Permissive Service Credit and shifting from high-cost annuities to transparent investment portfolios.
Tools Built for Your Teaching Career Stage
Summer Income Gap Calculator
Calculate exactly how much you need saved by May or how many tutoring hours required
PSLF vs TLF Decision Tool
Should you pursue Teacher Loan Forgiveness or Public Service Loan Forgiveness? Get your answer in 2 minutes
403(b) Fee Analyzer
Find out if you're losing $500,000+ to high fees over your career
State Pension Decoder
Understand YOUR state's pension formula, vesting period, and Social Security participation
Emergency Fund Calculator
Teachers need 3-6 months + summer gap. Calculate your target number
First-Year Money Checklist
The 5 financial decisions to make in Year 1 that will define your career
We fix this
of early-career teachers can't identify their retirement plan
We prevent this
lost to high 403(b) fees over a career
We navigate this
PSLF approval rate (up from 1%!)
Subscription Plans | Take control Now
Choose the toolkit that matches your career stage.
FREE
FREEPerfect for new teachers getting started
- 8 Core Calculators
- 5 calculations per day
- Paycheck Decoder
- Pension Estimator (Basic)
- Student Loan Timeline
- Emergency Fund Tool
- Simple 403(b) Growth
- Save calculation history
- Complex Scenarios
PLUS
$29 /monthSolve specific debt & career challenges
- 15 Calculators (Free + 7 More)
- 25 calculations per day
- Save History
- PSLF vs TLF Decision Tool
- Summer Gap Analyzer
- Pension Buyback Analysis
- Early Retirement Bridge
- 403(b) Fee Analyzer
- Advanced Risk Modeling
- PDF Exports
PREMIUM
$49 /monthFull wealth protection & risk modeling
- All 22 Calculators
- Unlimited calculations
- PDF Report Exports
- IUL vs 403(b) Tax Efficiency
- Market Crash Simulator
- Volatility Buffer Tool
- Pension Maximization
- Longevity Risk Analysis
- Inflation Purchasing Power
- Priority Strategy Support