← Back to Resources
Edwards & Associates
Partner Planning Tool
California Public Employee Retirement Planning

See your pension. Measure the gap. Build the plan.

Compare retirement ages across California public pension systems, add the income and assets you already have, and turn the estimate into a clear retirement-income picture.

Up to five retirement scenarios Service-credit based estimates Branded planning report

Choose the pension system CalPERS

Only tiers whose factor tables have completed verification are available for client calculations. Pending tiers remain visible but disabled.
Plan & Member Info
Best practice: enter service credit from the member's annual statement — it captures partial years, leaves, part-time service, purchases, and reciprocity. Left blank, the tool estimates service as retirement age − career start age.
Scenario 1
Scenario 2
Scenario 3
Scenario 4
Scenario 5
Quarter ages allowed (e.g. 57.25). Factors between published whole-age points are interpolated here — each system sets the exact factor from its own schedule (CalSTRS: age in years and months; CalPERS and several county systems: quarter-year charts). The system's own chart governs.
Survivor & Benefit Option
COLA Protection — This System
Lifetime Inflation Lookup
Show a client exactly how much purchasing power inflation has taken during their life or career. Uses official BLS CPI-U data.
📊
Select a pension system above, choose your plan and tier, enter your information, and click Compare to see your benefit projections across all retirement ages.
●
Strategy Presentation
Edwards Financial & Associates
Educational concepts & hypothetical illustrations only — not a carrier illustration, recommendation, or tax/legal advice. 2026 limits per IRS Notice 2025-67. Verify plan-specific rules with the plan document and a tax professional.