Bridge the Gap
Between Saving & Living.

Retirement Bridge Advisors is a California retirement planning firm with 10+ years of experience that has served hundreds of clients. We help CalSTRS and CalPERS members, 401(k) rollover candidates, IRA and Roth IRA holders, and 403(b) and 457 participants close the gap between what they've saved and the income they'll actually need. We provide complimentary pension reviews, income gap analyses, rollover consultations, and protected retirement income strategies through A-rated carriers. We charge no advisory fees. Call (951) 597-2950.

No. We do not charge advisory fees, we do not bill an annual percentage of assets, and we do not sell mutual funds. We are not a stock brokerage. Pension reviews, income gap analyses, and rollover consultations are complimentary. Our compensation comes from the A-rated insurance carriers we place protected income strategies with — not from our clients' pockets.

We focus on four core groups: (1) CalSTRS and CalPERS members — K-12 teachers, community college faculty, classified staff, and public employees; (2) 401(k) rollover candidates who have separated from service, retired, been laid off, or changed employers; (3) IRA and Roth IRA holders sitting in low-yield money markets, antiquated mutual funds, or high-fee advisor portfolios; and (4) 403(b) and 457 participants in K-12 and California Community College districts.

It's the difference between what your pension, Social Security, and savings will actually pay each month in retirement and what your household will need to maintain its standard of living. Most California public employees don't realize their pension typically replaces only 40 to 60 percent of pre-retirement income, depending on years of service and final compensation. Our complimentary income gap analysis identifies the shortfall and builds a plan to close it.

It depends on the plan's fees, investment lineup, your age, and your goals. After separation from service, most 401(k) participants can roll the balance into an IRA, which typically opens access to lower-cost or more flexible options than the former employer's plan. We provide complimentary rollover consultations that compare current plan costs and performance against alternatives — including protected income vehicles — so you can decide with the actual numbers in front of you.

Protected retirement income strategies are vehicles offered through A-rated insurance carriers that give you growth potential tied to market indexes without exposing your principal to market losses. In a down year, your account doesn't lose money to market declines. In an up year, you participate in growth (typically subject to a cap, participation rate, or spread). They are not investments in the stock market; they are protected accumulation tools used to build the income floor under your retirement.

We serve clients virtually across California, with concentrated local presence in ten small to mid-sized communities under 150,000 residents: Menifee, Murrieta, Temecula, Hemet, Perris, Lake Elsinore, Redlands, San Jacinto, Wildomar, and San Marcos. These are markets where local educators, public employees, retirees, and pre-retirees are underserved by larger advisory firms — and where we focus our practice.

Call (951) 597-2950 or fill out the free review request form on this page. We'll set up a brief 15-minute discovery call to understand your situation — pension, 401(k), IRA, 403(b), or 457 — and decide together whether a full pension review or income gap analysis makes sense for you. There is no fee, no obligation, and no high-pressure pitch.