As an educator, you're busy helping your students build their future. It's just as important to focus on yours.

It's important to set realistic savings goals and take steps today so you'll be able to meet your income needs in retirement.

If you became a CalSTRS member before January 1, 2013, you're under the CalSTRS 2% at 60 benefit structure.

If you became a CalSTRS member on or after January 1, 2013, you're under the CalSTRS 2% at 62 benefit structure.

As a CalSTRS member, your spouse, children, or other loved ones may be eligible for survivor benefits.

While it's possible to apply for a refund, it may not be the best for your long-term financial well-being.