You've Helped our Future
Let Me Help You Take Care of You
For the past 29 years, I've been a public school teacher. In my late 20s, I came across an ad for a retirement annuity and thought it would be a good investment. I believed I was doing the "right thing" by putting tax-deferred money away for future use. However, as I delved into the world of 403(b) plans, I quickly realized how complex the financial industry can make it. This complexity often serves to obscure fees and charges embedded in contracts that teachers unknowingly purchase.
I learned the hard way how costly it can be to break free from an annuity contract. But after further research, I discovered that investing doesn’t have to be so complicated. There are companies and products available that are well-designed and reasonably priced. With this new understanding, I began asking more questions, which eventually led me to complete a school finance program and the Certificate in Financial Planning program at UCLA.
Here in California, public school teachers benefit from a strong defined benefit plan through the California State Teachers Retirement System (CalSTRS). According to CalSTRS' latest "Fast Facts," the average retiring teacher has about 24.6 years of service credit, resulting in a monthly Member-Only benefit of approximately $5,141 before taxes. For many members, living on $5,141 may be challenging.
I can help you plan to maximize your CalSTRS defined benefit and explore savings options that will support the lifestyle you envision for retirement.
Please call me at 562-643-1962, and let's discuss a path forward for the next stage of your life.
Helping Teachers Plan for their Future
Welcome to my website! As a dedicated California teacher with 29 years of experience, I understand the challenges educators face in managing their finances while focusing on their students and personal lives. My mission is to help you secure a complete financial future by providing essential financial education.
I have extensive experience working with my local teacher's union, serving on the bargaining team, and training in school finance. I have also been actively involved in protecting educators' defined benefits with CalSTRS. Additionally, I completed the Certified Financial Planning (CFP®) certificate program at UCLA, equipping me with the knowledge to guide you in making informed financial decisions. I still need to take and pass the CFP® exam.
Through my Life Financial Help service, I aim to empower educators like you with the tools and understanding needed to achieve financial security. Let’s work together to ensure your financial well-being, so you can continue to focus on what you do best—educating the next generation.
If you are a nurse, peace officer, or firefighter, I can work with you as well! I can tailor my courses and concierge services to meet the specific needs of your group.
Al la Carte Services
Al la cart costs: $299
DECEMBER SPECIAL $199
Need help with just one of the topics below? I can educate you on the subject and work with you to develop a plan to manage this financial area more effectively.
- Insurance Planning
- Investing-ETF/mutual funds
- Taxes
- Retirement-CalSTRS / 403b
- Estates and Trusts
- Education Planning
- Debt Management
- Workplace Benefits
Sometimes, we just need help with one or two financial topics. For example, it’s a new year, and you want to open a 403(b) or 401(k) account but aren’t sure where to start. I can help. The first topic is $199, with each additional topic at $100. I’ll educate you on the subject and guide you through the steps to achieve your financial goals.
Click the link below to view pricing:
Individual Help-Concierge Service
Concierge Costs: $850
CHRISTMAS SPECIAL $350
Are you looking for someone to guide you on the path to financial independence? I can help you get started by exploring the key areas of your financial life and suggesting ways forward. I specialize in helping you see the big picture and providing a roadmap to financial independence.
While I cannot open accounts or trade stocks, as I am not a licensed Series 7 trader, my objective is to help you organize your finances and make informed decisions. Together, we will assess your current situation and develop a plan to put your financial affairs in order. I will provide a detailed roadmap with actionable suggestions to help you take control of your financial future, so you can focus on living your life without daily financial worries.
Click the link below to view SPECIAL pricing:
Retirement Planning In-depth
Concierge Costs: $850
CHRISTMAS SPECIAL $350
Do you want to understand your CalSTRS Defined Benefit and Defined Benefit Supplement and save more for retirement? I can educate you on your pension and explore additional options like 403b and 457 plans to maximize your retirement savings. Once you understand how the system works, we can create a "set it and forget it" plan to take the anxiety out of your retirement planning. Even if you are a teacher in another state, I can review your state’s retirement plan, research the options available through your school district, and help you map out a plan for a secure financial future.
Click the link below to view SPECIAL pricing:
Not Sure What you Want?
Book a Free Call-Let Me Get to Know What you Want!
Text/Call me: 562-643-1962 or email: kpwelch562@gmail.com
Certificate in Personal Financial Planning
I completed the 8-course Personal Finance Planning certificate program at UCLA Extension in 2021. This program meets the requirements to prepare for the Certified Financial Planner® (CFP®) exam. My next step is to take the CFP® exam. Certified Financial Planners are considered the gold standard in financial planning. CFP® professionals are required to work as fiduciaries, meaning they must act in your best interests.
Although I am not yet a CFP®, I promise to uphold the CFP® standards of ethics and conduct.
A fiduciary is a person or organization that acts on behalf of another person or group, putting their clients' interests ahead of their own, with a duty to preserve good faith and trust. Fiduciaries are obligated to act in the best interests of their clients and are bound by law to provide honest, transparent, and fair advice. This responsibility includes avoiding conflicts of interest and ensuring that all decisions and recommendations are made with the clients' best interests in mind.
About GEORGETOWN SANTA CRUZ II
Your Partner in Health and Finance
My wife and I own a Limited Liability Corporation called Georgetown Santa Cruz II. My wife, a Nurse Practitioner who graduated from Georgetown University, specializes in oncology. In addition to her work in oncology, she helps clients lose weight and adopt long-term lifestyle changes for healthier living. I completed my Bachelor's Degree in history at the University of California, Santa Cruz, and work as a teacher. My focus is on educating teachers on how to make informed financial decisions to reduce stress and improve their overall well-being.
Who We Are
Highly qualified and motivated professionals
My wife, Mary, is a Nurse Practitioner specializing in oncology. Outside of her clinical work, she assists clients in making lifestyle changes that promote weight loss. She holds a B.S. in Nursing and an M.S. as a Nurse Practitioner from Georgetown University, with over 30 years of experience in the medical field. If you are looking for a weight loss/health coach go to: http://weightlosstowellness.org.
And that’s me, Kevin. I’ve dedicated 28 years to teaching and have served on my local bargaining team, gaining expertise in school finance. I completed Certified Financial Planning certificate at UCLA, although I haven’t yet taken the CFP® exam. Despite this, I possess extensive knowledge to educate you on critical aspects affecting your financial future. As President of my local and Chair of the California Teacher's Association Retirement Committee, I actively participate in CalSTRS Board meetings to ensure the continued provision of pension benefits for our 300,000 CTA members.
©Copyright. All rights reserved.
We need your consent to load the translations
We use a third-party service to translate the website content that may collect data about your activity. Please review the details in the privacy policy and accept the service to view the translations.