Services We Offer to California Teachers
After you retire, your pension will ensure that you have a steady monthly income. At Appreciation Financial, we often advise our clients to opt for pension maximization. A pension maximization strategy involves opting for the highest possible annuity payout for one spouse’s lifetime while obtaining life insurance to provide income for the surviving spouse.
Retirement planning can be confusing with so many retirement income options available. Our licensed agents have the knowledge and experience you need to answer your questions and provide a personalized analysis of your portfolio. With your best interests as our top priority, Appreciation Financial experts will help you plan and invest for a retirement designed for success.
Living Benefit Life Insurance
A traditional life insurance policy pays out a set amount of money to the beneficiary after the policyholder passes away. With living benefit life insurance, the policyholder has access to advanced payments should they become chronically ill and need help covering the cost of medical expenses.
Appreciation Financial has partnered with MPowering America to address the challenges Americans are facing regarding their debt. Millions of people are feeling the weight of debt on their shoulders. As of 2019 total U.S. household indebtedness is $13.67 trillion. Mpower experts have been quietly helping thousands of customers for 14+ years with millions of dollars in debt and interest offset, and thousands of happy clients. Through their proprietary methods of addressing debt it helping clients lose the debt and start accumulating their wealth.
At Appreciation Financial, we believe knowledge is power. That’s why we’re passionate about educating our clients and arming them with the tools they need for success. When you plan your teacher retirement through us, you will have access to the Encompass online Financial Wellness Center where educational videos and articles, planning calculators, and other tools will help you stay on top of your financial future.