Schedule a Call
Broker Check

9275 Sky Park Court, Suite 350, San Diego, CA 92123

858.500.0714
Pushpin@ceterainvestors.com
Client Login

Spouses of Educators

Two Careers, One Retirement, One Pushpin Blueprint

Your spouse’s pension is one of the strongest benefits out there—but with complex rules, survivor options, and tax implications, it’s just one piece of a larger puzzle. Add in your 401(k), IRA, or stock awards, and the stakes rise quickly. At Pushpin Financial, we help couples coordinate both sides of the plan so your retirement reflects shared goals, not just formulas. Since 2006, we’ve guided families where one spouse is an educator and the other manages significant assets or income—connecting every pushpin from savings and taxes to insurance, Social Security, and legacy planning.

Questions to Help Our Clients Find Answers

CalSTRS

  • If I retire in 10 years, what is my CalStrs pension amount?
  • Which spousal benefit is right for our family?
  • What is the best month for me to retire?
  • What kind of benefit will my spouse receive if I pre-decease him/her before retirement? 

Savings Strategies

  • How much should I save in my 403b?
  • Is 403b the best retirement savings options for me?
  • I have extra money to save and invest, or should I pay extra on my mortgage?

Taxes

  • How do I minimize taxes at retirement?
  • I do not need to withdrawal at my RMD age, how can I delay or minimize RMD amount?
  • What is Roth IRA conversion and how do I do it?


For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services LLC nor any of its representatives may give legal or tax advice.

Social Security

  • I worked in private sector before becoming a teacher, will I get Social Security?
  • How will my spousal or widow's benefit be affected becasue I was a teacher?

Connecting Every Pushpin In Your Financial Life

CalSTRS & CalPERS Pension Projections

We show you how different retirement dates and elections affect income, not just for your spouse, but for you a well. Survivor options and Pension Maximization strategies explained. Learn more here.

Coordinate with Social Security & Your Retirement Assets

We integrate your spouse’s pension with your Social Security eligibility, 401(k), IRA, or equity comp. Together, we design a coordinated household strategy that maximizes both incomes.

Retirement Savings & Tax Strategies

High pensions can create higher tax brackets. We balance pre-tax and tax free savings so you keep more of what you’ve earned and protect flexibility down the road.

Income in Retirement

We map out reliable income streams, combining pensions and savings, so the essentials are covered and lifestyle goals—travel, hobbies, family are funded with confidence.

Build Your Legacy

We protect what you’ve built and ensure wealth passes the way you intend, whether to your kids, your spouse, or the causes you care about.

Case Study

Our business is built on a foundation of thoughtful client relationships.

Retirement Isn’t Just A Date, It’s A Family Plan

Pushpin helps families with California educators connect every pushpin.

Schedule Your Pushpin Blueprint Consultation

Ready to Pushpin Your Future?

Thank you!
Oops!

Our Approach

A planning-first, education-driven approach that helps you make confident decisions in every stage of life.

See How We Work

Our Team

Meet the team behind PushPin—advisors who care deeply and plan with empathy, clarity, and purpose.

Meet The Advisors

Contact Us

Wherever you are in your journey, we’re here to listen, guide, and help you move forward.

Get In Touch
Schedule a Call