Client Experience Dashboard
Use the tabs in sequence during the meeting: snapshot → gap → bridge strategy → estate readiness → action plan.
Maria Educator’s Retirement Snapshot
CalSTRS · Before Jan. 1, 2013 · Full-Time
Confidence Score: 0
Projected Monthly Pension
$0
Formula appears here.
Projected Service Credit
0.00
Full-time/part-time adjustment.
Benefit / Age Factor
0.000%
Based on tier and retirement age.
Replacement Ratio
0%
Pension ÷ final monthly compensation.
Projection Summary
Years until retirement0
Future service credit0.00
Current service credit0.00
Projected annual pension$0
Estimated lifetime pension at 25 years$0
Retirement Age Comparison
Shows how working longer may affect pension results. Uses the same compensation assumption.
| Age | Service | Factor | Monthly |
|---|
Desired Income
$0
Client’s retirement paycheck target.
Known Monthly Income
$0
Pension + other income.
Monthly Income Gap
$0
Gap after projected pension.
Capital Needed
$0
Estimated assets needed at selected income rate.
Income Gap Visual
This helps the client see the difference between their pension promise and their desired lifestyle income.
Pension estimate$0
Other income$0
Remaining gap$0
Conversation Anchor
Advisor: “Based on today’s assumptions, your pension may cover part of your retirement paycheck. The question is not whether the pension is good. The question is whether it is enough to cover the lifestyle, survivor, tax, healthcare, and legacy goals you want protected.”
403(b)
Tax-Deferred Growth
$0
Potential monthly income: $0
After-tax income estimate$0
Monthly needed to close gap$0
IUL
Protection + Potential Cash Value
$0
Potential monthly income: $0
Living benefits angleYes
Monthly needed to close gap$0
Basic Savings
Simple Accumulation
$0
Potential monthly income: $0
Flexible / liquidDepends
Monthly needed to close gap$0
Bridge Strategy Summary
Monthly contribution modeled$0
Years invested0
Selected income rate0%
Income gap target$0/mo
Product-Fit Notes
403(b): Can be positioned for supplemental retirement accumulation. Actual investment risk, fees, surrender terms, plan options, and tax treatment must be reviewed.
IUL: Can be positioned only after suitability review, underwriting, premium affordability, policy costs, illustration, and loan assumptions are explained. It is not a pension replacement.
Basic savings: Helps demonstrate how much capital is needed before product recommendations enter the conversation.
Estate Readiness Score
Current Readiness
0%
Complete the checklist below.
Estate planning is the protection conversation that connects income, beneficiaries, family clarity, and legacy distribution.
Protection Opportunities
Living TrustAvoid probate planning
Pour-Over WillBackup direction
Financial POAAuthority if incapacitated
Health DirectiveMedical decision clarity
Beneficiary AuditRetirement + insurance alignment
Estate Planning Checklist
Opening Script
Advisor: “Today is not about selling you a product. Today is about building a clear picture. We are going to look at your pension, your income gap, your savings options, and whether your estate plan is protecting the people you love. At the end, you will know what is working, what is exposed, and what the next best step should be.”
Income Gap Script
Advisor: “Your pension is the foundation. The bridge is what we build around it. If the pension leaves a gap, we need to decide whether that gap should be handled through a 403(b), an insurance-based strategy, cash reserves, or a combination. The wrong move is waiting until retirement and hoping the math works.”
Estate Transition Script
Advisor: “Once we understand your retirement income, the next question is control. If something happens to you, who can act for you? If you pass away, how quickly and privately can your family receive what you built? Retirement planning protects your income. Estate planning protects your family’s access and control.”
Next-Step Close
Advisor: “Based on what we found today, there are three next steps: verify your official pension numbers, design the income bridge for the gap, and complete the estate readiness review. Which of these feels most urgent to you right now?”
Client Action Plan
Step 1Upload / bring pension statement and 403(b) statement
Step 2Confirm retirement age, survivor election, and final compensation assumptions
Step 3Run official CalSTRS/CalPERS calculator or statement verification
Step 4Review 403(b), IUL, annuity, and cash reserve suitability where appropriate
Step 5Complete estate planning readiness and funding review
Official Sources to Verify During Meetings
- CalSTRS Age Factor — whole-age factor table and career factor note.
- CalSTRS Two Benefit Structures — 2% at 60 vs 2% at 62 tier framework.
- CalSTRS Final Compensation — 12-month vs 36-month final compensation rules.
- CalPERS Benefit Factor Charts — official benefit factor chart library.
- CalPERS Service & Disability Retirement — basic retirement formula and calculator guidance.
Compliance note: This app is for educational and preliminary planning conversations only. It is not affiliated with, endorsed by, or approved by CalSTRS or CalPERS. It does not provide legal, tax, investment, or pension advice and does not replace official benefit estimates, pension elections, plan documents, policy illustrations, or attorney-prepared estate documents. Insurance and investment recommendations require licensing, suitability review, disclosures, and carrier/firm-approved materials.