Services | Capital Wealth — Pension Planning, 401k, Retirement Income

01 · Comprehensive Pension Planning for Educators

CalSTRS & CalPERS — Your Biggest Asset

For teachers and public employees, your state pension is often worth $2-5M+ over a lifetime. We specialize in CalSTRS (2% at 60 / 2% at 62 PEPRA) and CalPERS defined benefit plans — optimizing your retirement date, service credit, survivor options, and COLA strategies to maximize lifetime income.

CalSTRS 2% benefit factor optimization — timing your exit for maximum payout
CalPERS industrial disability and regular retirement coordination
Service credit buyback analysis — ROI on purchasing additional years
Survivor benefit vs. member-only pension comparison modeling
Pension + Social Security + 403(b) income coordination
COLA (2% compound) lifetime income projections through age 90+
Dual-pension household planning (CalSTRS + CalPERS or UCRP)

Book Pension Review →

$5.4M

Lifetime Pension Value (30+ Years)

CalSTRS Factor

2% COLA

Compound Growth

$153K+

Annual Pension

$16K/mo

Combined Income

02 · 401k Fund Selection & Expense Ratios

Stop Losing Money to Hidden Fees

A 1% difference in expense ratios can cost you $100K+ over 30 years on a $90K balance. Most target-date funds charge 0.50-1.00% annually when you can achieve the same (or better) allocation at 0.03-0.10%. We audit every fund in your plan, compare expense ratios, and restructure your allocation for maximum growth.

Complete 401k / 403(b) / 457 expense ratio audit — line by line
Target-date fund vs. self-directed allocation comparison
Fund-level analysis: Vanguard, Fidelity, TIAA, Schwab options
Aggressive vs. conservative allocation modeling with 7-10.5% projections
Employer match optimization — never leave money on the table
Rollover analysis for former employer 401k plans
Roth 403(b) conversion strategies for tax-free growth

Get Fee Analysis → Take Risk Quiz

0.85%→0.10%

Average Fee Reduction We Achieve

$147K

Lost Over 36yrs

0.03%

Best-in-Class

10.5%

Growth Target

$1.5M+

30yr Projection

Critical Warning

Why Leaving Your 401k in Your Old Employer's Plan Is Costing You Thousands

Most people leave their old jobs and forget about their 401k. It sits there — in a plan you no longer contribute to, managed by administrators who have zero incentive to help you grow it. This is one of the biggest financial mistakes Americans make.

Hidden Fees Eating Your Balance

Your old employer's plan charges administrative fees, fund management fees, and record-keeping fees — often 0.50% to 1.50% annually. On a $200K balance, that's $1,000–$3,000/year disappearing from your account. Over 20 years, you could lose $80,000+ to fees alone.

Limited, Outdated Fund Options

Employer plans typically offer 15–25 pre-selected funds — many with high expense ratios and mediocre performance. When you roll over to an IRA, you get access to thousands of funds, ETFs, and individual stocks at a fraction of the cost. You're not stuck with your employer's choices anymore.

No One Is Watching Your Money

Your old HR department doesn't care about your retirement. Your old plan administrator has no obligation to optimize your allocation. Your money sits in a target-date fund that doesn't account for your actual goals, risk tolerance, or timeline. Nobody is actively managing it. Nobody is rebalancing it. Nobody is watching the market for you.

The Solution: Active Management by Professionals

With 15 years in financial services, our team doesn't just move your money — we actively manage it. We build custom portfolios aligned with our market intelligence research, rebalance quarterly, and adjust positions based on real-time market conditions. You get a licensed professional watching your money every day — not a target-date fund on autopilot. We handle the entire rollover process, paperwork, transfers, and build your new portfolio from day one.

The math is simple.

A $200K 401k left in an old plan at 0.85% fees grows to ~$740K in 25 years. Rolled over to an IRA at 0.10% fees, that same $200K grows to ~$920K. That's a $180,000 difference — just from moving your money.

Get a Free 401k Audit → Try Our Calculator →

02b · 403(b) Management for Educators

Your 401k Deserves Active Management

Most California educators are defaulted into high-fee 403(b) plans with limited fund options. The typical district plan charges 0.50%–1.50% in expense ratios and offers outdated target-date funds that underperform the market. We restructure your 403(b) allocation using our MAP fund strategy — the same research-driven approach that generated +26.2% last year vs the S&P's +13.4%.

Full 403(b) plan audit — identify every hidden fee in your district plan
Fund-by-fund analysis: Fidelity, TIAA, Vanguard, Lincoln, Security Benefit
MAP 90/10 Aggressive Growth allocation — 17 funds, 0.57% avg ER, +26.2% 1yr return
MAP Dividend Portfolio for income-focused educators — 11 funds, 2.8% yield
Roth 403(b) conversion strategy — tax-free growth for younger educators
403(b) + CalSTRS pension coordination for maximum retirement income
Quarterly rebalancing aligned with our market intelligence research

Review My 403(b) → See Our Research →

+26.2%

MAP 90/10 — 1yr Return

Funds

0.57%

Avg ER

+17.9%

5yr Ann

+17.6%

10yr Ann

03 · Retirement Income

Income That Lasts a Lifetime

The biggest fear in retirement is running out of money. We build sustainable withdrawal strategies that coordinate your pension, Social Security, 401k, and investment income to last through your retirement.

Sustainable withdrawal rate planning
Social Security timing optimization
Tax-efficient income sequencing
Dividend and bond income strategies
Inflation-protected income modeling

Plan Your Income →

Safe Withdrawal Benchmark

Pension

Base Income

Supplemental

401k

Growth Layer

Divs

Passive Income

04 · Comprehensive Financial Planning for Educators

Your Complete Financial Blueprint

We build comprehensive financial plans specifically for educators and public employees — integrating your CalSTRS/CalPERS pension, 403(b), 457, Social Security, and personal investments into a unified retirement income architecture. From Year 1 income projections to age 90+ longevity planning.

Full retirement income architecture — pension + SS + portfolio + dividends
Tax-efficient withdrawal sequencing across pre-tax and Roth accounts
Estate and legacy planning with pension survivor benefit analysis
Long-term care and insurance needs assessment
Custom AI-driven portfolio construction and quarterly rebalancing
Sharia-compliant / halal portfolio options available

Start Your Plan →

360°

Comprehensive View

Tax

Optimization

Estate

Planning

Invest

Management

Risk

Protection

How It Works

Getting Started Is Simple

From your first call to your personalized plan — here's exactly what to expect.

Book a Call

Schedule a free 1-on-1 portfolio review on Calendly. No preparation needed.

Discovery

We review your pension, 401k, risk tolerance, and retirement goals together.

Your Plan

We build a customized financial plan with concrete recommendations and projections.

Execute

Implement your plan with ongoing support, quarterly reviews, and market updates.

Retirement Planning for
Educators & the Private Workforce

CalSTRS & CalPERS — Your Biggest Asset

Stop Losing Money to Hidden Fees

Why Leaving Your 401k in Your Old Employer's Plan Is Costing You Thousands

Your 401k Deserves Active Management

Income That Lasts a Lifetime

Your Complete Financial Blueprint

See the Numbers Yourself

Getting Started Is Simple

Book a Call

Discovery

Your Plan

Execute

Ready to Optimize Your Retirement?

Retirement Planning forEducators & the Private Workforce

CalSTRS & CalPERS — Your Biggest Asset

Stop Losing Money to Hidden Fees

Why Leaving Your 401k in Your Old Employer's Plan Is Costing You Thousands

Your 401k Deserves Active Management

Income That Lasts a Lifetime

Your Complete Financial Blueprint

See the Numbers Yourself

Getting Started Is Simple

Book a Call

Discovery

Your Plan

Execute

Ready to Optimize Your Retirement?

Retirement Planning for
Educators & the Private Workforce