California Retirement Planning
SB Pensions
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
SB Pensions is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Stephen Grossman
Stephen’s business journey began shortly after graduating from the University of California, Berkeley. Early in his career, he delved into Business-to-Business sales and wholesale distribution, eventually founding and managing his own businesses. In 2014, Stephen expanded his expertise by obtaining an insurance license, initially focusing on health insurance and later specializing in Medicare and benefits tailored for the senior market.
Through his experiences, Stephen recognized the financial challenges many seniors face during retirement. This realization fueled his mission to continually educate himself and become an expert in retirement benefits for people of all ages, aiming to guide individuals, families, and business owners towards a secure financial future. Residing in the lively Los Angeles area with his spouse, Stephen enjoys the company of three furry companions and cherishes his role as a grandparent. Outside of work, he finds joy in reading, writing, and maintaining a healthy lifestyle through physical fitness activities. Stephen strongly believes in lifelong learning and personal growth, viewing each day as an opportunity for improvement and positive impact.
Helping others is where Stephen finds his greatest fulfillment, and his ultimate goal is to positively influence as many lives as possible. He looks forward to meeting and assisting individuals on their journey towards financial security and well-being.
Our Downloads
Legacy and Estate Planning; Understanding the Basics
Estate planning is an important part of retirement planning. You’ve worked hard for your money and want to see your children and grandchildren benefit, and you probably want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires who need to have solid estate plans; it’s anyone who wants their wishes to be honored after their passing.
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
