INSIDE:2 Keeping Your CalSTRS Account Secure

3 Contribution Rate Increase for 2% at 62 Members July 1

3 CalSTRS Board Election Coming in 2019

5 Delaying Retirement? Learn About Required Minimum Distributions

6 Your Input Matters: Retirement Readiness Survey Findings

7 How Pension2 Fits Into Your Future

CALIFORNIA STATE TEACHERS’ RETIREMENT SYSTEM • SPRING 2018

R E A C H I N G YO U R R E T I R E M E N TS E M I A N N U A L P U B L I C A T I O N F O R A C T I V E A N D I N A C T I V E C a l S T R S M E M B E R S

continued on page 7

Mission Oak High School speech and debate teacher Laurie Jones is in her second career—one in which she landed by accident. She started in the music business at the Recording Academy, better known as the organization that produces the Grammy Awards.

“I grew up there. I got that job when I was 20 and I was there until I was 30. It was a different kind of life,” said Jones, who also has a background in theater. “I was just temping and I was figuring out what I wanted to do. Teaching was the last thing on my list.”

She went back to college and a professor suggested Jones get a teaching credential, saying there were emergency credential jobs available. “I thought ‘I haven’t even taken a teaching course. I’m an actress.’”

“I had a pulse and they said ‘You’re in!’ I was arguing with them. I told them ‘I was just practicing! I don’t want the job,’” Jones said.

“It was scary and I had a stomachache every year for the first couple of years. But the first day I walked in, I knew I was meant to be there. Nobody mentored me—I was just thrown into the classroom. No benchmarks, no data, nothing.”

Jones picked a book she liked, The Catcher in the Rye by J.D. Salinger, and just taught it. “From that day, it’s been 15 years. I’m so proud to say I’m a teacher. Much prouder than saying I worked at the Grammy Awards.”

“I find so much identity in the title of teacher.”

Teacher Talk: Spotlight on California’s Educators

Also inside:

2017Summary Report to Members

Laurie Jones Speech and Debate teacher

Mission Oak High School, Tulare

CalSTRS Connections: Reaching Your Retirement - Spring 20182

Protecting your CalSTRS personal and financial information is among our highest priorities. We have strict policies and procedures in place to ensure your personal information remains private and secure. Here are a few of our security measures along with steps you can take to help protect the security of your CalSTRS information:

• We will never send you an unsolicited email or call you to request confidential or personal information. We will call or email you only in response to receiving a call on our 800 line, written and mailed correspondence from you, or a secure email message from you through your myCalSTRS account or CalSTRS.com/contactus. (We send out email messages periodically to members with general information such as CalSTRS workshop opportunities in your area or relevant news about CalSTRS.) If you receive a suspicious email that looks like it came from CalSTRS requesting confidential or personal information, do not click on any links within the message. Call us immediately at 800-228-5453.

• We use your Client ID (or your Social Security number if you don’t have your Client ID handy) for identification. Your Client ID is a randomly generated number.

• We record all telephone conversations when you call our 800 line. This is primarily for internal use to ensure the accuracy of the information we provide.

• When you call to speak with a CalSTRS representative, we will ask a few security questions to ensure we are speaking to you. If you authorize someone else to speak with us about your account, we need your permission. We will ask you to confirm and authorize over the phone that the person has your permission to speak to us on your behalf. If you are unable to act on your own behalf, you can submit a completed durable power of attorney form to our legal office. Please see page 5 for more information about power of attorney.

Keeping Your CalSTRS Account Secure

Protect Your myCalSTRS Password

• CalSTRS staff will never ask for your password.

• Do not give your password to anyone for any reason.

• Change your password immediately if you know or suspect it has been compromised.

• Forgot your password? Go to myCalSTRS.com and select the Forgot Your Username or Password? link. Check out CalSTRS.com/myCalSTRS-help-videos for easy instructions on resetting your myCalSTRS password.

printed on recycled paper

Editor Laura Martin

Designers Baotran Bui Ngan Bui

Contributors Tom BarrettTom BuffaloChristie FrentzelStephanie PardellMelissa Wiese

Statements in this publication are general and the Teachers’ Retirement Law is complex and specific. If a conflict arises between information contained in this publication and the law, any decisions will be based on the law.

CalSTRS Connections is published twice a year for members of the California State Teachers’ Retirement System. Send your comments or suggestions to:

Editor, Communications CalSTRS MS 34 P.O. Box 15275 Sacramento, CA 95851

CalSTRS Mission:

Securing the financial future and sustaining the trust of California’s educators

Teachers’ Retirement BoardDana Dillon, Chair Sharon Hendricks, Vice Chair John ChiangMichael CohenJoy HigaHarry M. KeileyPaul RosenstielTom TorlaksonNora E. VargasKaren Yamamoto Betty Yee

Jack Ehnes Chief Executive Officer

Christopher J. Ailman Chief Investment Officer

Did you know:

CalSTRS pays $13 billion in benefits annually to our nearly 300,000 retirees—a significant economic driver helping sustain local economies while creating a secure financial future for our members. Learn more about our sustainability performance and related efforts in our fourth annual sustainability report, Global Stewardship at Work. View the full 2016–17 report at CalSTRS.com/2016-17-sustainability-report.

XXXXX ● 2016-17 SUSTAINABILITY REPORT 1

2016–17 Sustainability Report

WORK

GLOBAL

AT

CalSTRS’ commitment to sustainability is a key component of our culture, investments, core values and vision. We invite you to participate in a brief survey about your views on a number of sustainability topics to help us shape the content for our fifth annual sustainability report. You’ll find the CalSTRS Sustainability Report Survey by going to CalSTRS.com/SustainabilitySurvey. The survey is available now through June 8 and should take about 10 minutes to complete. Our next report will be released online in early 2019.

Sustainability Survey: We Want to Hear From You

CalSTRS Connections: Reaching Your Retirement - Spring 2018 3

CalSTRS Board Election Coming in 2019This summer, the Teachers’ Retirement Board will issue Notice of Election information that will include nomination process requirements for active members interested in serving as board members. There are three elected seats for active members—two preK–12 and one community college. The election is scheduled to take place from October through November 2019. The four-year terms begin January 1, 2020. Details will be available on CalSTRS.com after July 20.

Expected Contribution Rate Increase for 2% at 62 Members July 1If you are a CalSTRS 2% at 62 member (members first hired to perform service that could be credited to the Defined Benefit Program on or after January 1, 2013), your contribution rate is connected to the normal cost of your retirement benefits. When changes in normal cost meet certain thresholds defined by law, your contribution rate is adjusted. The normal cost is assessed each year based on the actuarial valuation, which is a snapshot of CalSTRS’ financial status presented to the Teachers’ Retirement Board each spring. For the 2017–18 fiscal year, your contribution rate has been 9.205 percent of your creditable earnings, up to the compensation cap. This rate is expected to increase on July 1 to 10.205 percent for 2018–19.

Updating Your Contact Information?When you update your mailing or email address, whether using myCalSTRS or submitting a form, we will send you a letter and an email confirming the update. You’ll find the Address Change Request form online at CalSTRS.com/forms.

CalSTRS Connections: Reaching Your Retirement - Spring 20184

C A L I F O R N I A S TAT E T E A C H E R S ’ R E T I R E M E N T S Y S T E M

This summary provides important details regarding your retirement fund.

Our mission:Securing the financial future and sustaining the trust of California’s educators

2017 Summary Report to Members

F O R T H E F I S C A L Y E A R E N D E D J U N E 3 0 , 2 0 1 7

State Teachers’ Retirement Plan Statement of Changes in Fiduciary Net Position (Dollars in Thousands)

This chart illustrates the difference between the actuarial value of assets and the amount needed to pay benefits to current CalSTRS members from a funding perspective. The ratio of assets to liabilities is determined using an asset-smoothing method that considers short-term fluctuations in asset values. Therefore, the total actuarial value of assets will differ from the market value of investments for any given year.

The June 30, 2016, funding valuation shows an increase of $20.5 billion to a total of $96.7 billion in unfunded actuarial obligation (UAO) of the Defined Benefit Program due to new actuarial assumptions that were adopted based on the recent experience analysis. The funded ratio decreased by 4.8 percent to 63.7 percent.

Defined Benefit Program Funding Ratio

2017 20161

Net Assets Held in Trust, Beginning of Year $189,113,487 $191,822,336 Additions

Contributions (Member, Employer, State of California) 10,092,348 8,288,519 Investment Income 25,564,164 2,621,852

Investment Expense (398,984) 284,488Other Income 72,005 41,519 Total Additions $35,329,533 $10,667,402

Deductions Benefits and Refunds $13,902,544 $13,148,558 Administrative Expenses 182,367 180,056 Borrowing Costs 57,958 32,406Other Expenses 10,251 15,231 Total Deductions $14,153,120 $13,376,251

Net Increase (Decrease) $21,176,413 $(2,708,849) Net Assets Held in Trust, End of Year $210,289,900 $189,113,487

1 Some reclassifications have been made to the comparative totals as of and for the year ended June 30, 2016, to conform to the presentation as of and for the year ended June 30, 2017. The reclassifications had no impact on net position or changes in net position.

2007 2008 2009 2010 2011 2012 2013 2014 2015 20160

10

20

30

40

60

70

80

90

100%

50

88% 87%

78%71% 69% 69% 69%

64%67% 67%

Protecting Your Loved Ones Before You RetireAre you eligible to retire? If the answer is yes, you may want to consider making a preretirement election of an option to provide a monthly lifetime income for one or more persons or a special needs trust should you die before retirement.

If you choose to elect an option, your monthly retirement benefit amount will be reduced by a percentage based on the option you elect, as well as your age and your beneficiary’s age at the time you elect an option. In most cases, your modified monthly benefit will be higher if you elect the option before retirement than if you wait until retirement to elect one. In addition, if you make a preretirement option election, the option factor when you retire will be the higher of the option factor in effect when you pre-elected the option or on the date of retirement. This means a larger benefit amount for you in retirement as well as your beneficiaries upon your death.

There are important things to consider before deciding to elect a preretirement option:

• Changing or canceling your option election before retirement can result in a lifetime assessment to your benefit and your benefit may be reduced for life.

• Your option will be canceled automatically if you take a refund or elect a new option or a new option beneficiary, or if your option beneficiary predeceases you.

• An option election cannot be changed after 30 days of your initial retirement benefit payment date except under limited circumstances.

• Federal age restrictions apply for electing certain options unless the option beneficiary is your spouse.

See the Member Handbook for more details or call us at 800-228-5453. You can also schedule a benefits planning session to discuss how electing a preretirement option might affect your retirement benefit. Visit CalSTRS.com/benefits-planning-services to learn more.

Download and submit a Preretirement of an Option Election form through your myCalSTRS account at myCalSTRS.com.

Reporting the Death of a Member or BeneficiaryYou can report the death of a CalSTRS member, benefit recipient, option beneficiary or designated recipient by submitting a Notification of Death form online or by calling us at 800-228-5453 to have the form mailed to you. You’ll need to provide the person’s full name, Social Security number or CalSTRS Client ID, date of birth and date of death. You can also upload and submit a copy of the death certificate. After you notify us, we’ll get in touch with the primary contact identified on the submitted form. Find more information at CalSTRS.com by choosing the Report a death quick link from the I would like to…drop-down menu in the upper-right hand corner.

CalSTRS Connections: Reaching Your Retirement - Spring 2018 1

C A L I F O R N I A S TAT E T E A C H E R S ’ R E T I R E M E N T S Y S T E M

This summary provides important details regarding your retirement fund.

Our mission:Securing the financial future and sustaining the trust of California’s educators

2017 Summary Report to Members

F O R T H E F I S C A L Y E A R E N D E D J U N E 3 0 , 2 0 1 7

State Teachers’ Retirement Plan Statement of Changes in Fiduciary Net Position (Dollars in Thousands)

This chart illustrates the difference between the actuarial value of assets and the amount needed to pay benefits to current CalSTRS members from a funding perspective. The ratio of assets to liabilities is determined using an asset-smoothing method that considers short-term fluctuations in asset values. Therefore, the total actuarial value of assets will differ from the market value of investments for any given year.

The June 30, 2016, funding valuation shows an increase of $20.5 billion to a total of $96.7 billion in unfunded actuarial obligation (UAO) of the Defined Benefit Program due to new actuarial assumptions that were adopted based on the recent experience analysis. The funded ratio decreased by 4.8 percent to 63.7 percent.

Defined Benefit Program Funding Ratio

2017 20161

Net Assets Held in Trust, Beginning of Year $189,113,487 $191,822,336 Additions

Contributions (Member, Employer, State of California) 10,092,348 8,288,519 Investment Income 25,564,164 2,621,852

Investment Expense (398,984) 284,488Other Income 72,005 41,519 Total Additions $35,329,533 $10,667,402

Deductions Benefits and Refunds $13,902,544 $13,148,558 Administrative Expenses 182,367 180,056 Borrowing Costs 57,958 32,406Other Expenses 10,251 15,231 Total Deductions $14,153,120 $13,376,251

Net Increase (Decrease) $21,176,413 $(2,708,849) Net Assets Held in Trust, End of Year $210,289,900 $189,113,487

1 Some reclassifications have been made to the comparative totals as of and for the year ended June 30, 2016, to conform to the presentation as of and for the year ended June 30, 2017. The reclassifications had no impact on net position or changes in net position.

2007 2008 2009 2010 2011 2012 2013 2014 2015 20160

10

20

30

40

60

70

80

90

100%

50

88% 87%

78%71% 69% 69% 69%

64%67% 67%

CalSTRS Connections: Reaching Your Retirement - Spring 20182

Defined Benefit Program

Members RetiringFiscal Year 2017 2016

Number Retiring 12,247 11,374

Average Age 63.3 63.2

Average Years of Service 24.608 24.504

Average Annual Final Compensation $90,324 $87,948

Average Annual Member-Only Benefit $53,700 $52,428

Average Active Member Age and Years of Service

Fiscal Year 2017 2016

Average Age 45.3 45.4

Average Years of Service 12.1 12.1

Average Annual Salary $74,346 $72,550

Years of Service at Retirement As of June 30, 2017

MembershipFiscal Year 2017 2016

Active Members 445,935 438,537

Inactive Members 192,601 187,722

Total 638,536 626,259

Service Retirement Benefits 258,550 252,672

Disability Benefits 10,023 9,940

Survivor Benefits 26,301 25,583

Total 294,874 288,195

Total Members and Beneficiaries 933,410 914,454

Your reward—a secure retirement. Our reward—getting you there.

0−5 Years 1.3%

40+ Years 2.7%

5−10 Years 6.8%

10−15 Years 8.8%

15−20 Years 15.0%

20−25 Years 15.8% 25−30 Years

18.3%

30−35 Years 19.8%

35−40 Years 11.5%

2 CalSTRS Summary Report 2017

CalSTRS Connections: Reaching Your Retirement - Spring 2018 3

Securing Your Financial Future

Assets of Programs Administered by CalSTRS As of June 30, 2017

Market Value Rate of Return1

Defined Benefit Program (in billions)

$196.01 13.7%

Defined Benefit Supplement Program (in billions)

$12.36 13.7%

Cash Balance Benefit Program (in millions)

$331.91 14.1%

1 One-year return calculated on a gross of fees time-weighted return basis.

Asset AllocationTotal Investment Portfolio of $208.7 billionAs of June 30, 2017

The board adopts long-term strategic allocation targets to be implemented over several years. The following charts provide the distribution of State Teachers’ Retirement Plan investments based on portfolio allocation and management structures, the assets of programs administered by CalSTRS, and market value of investments. The presentation of investment values and related returns in this section are presented using common industry practices that reflect the way in which CalSTRS manages its investment portfolio. The presentation based on industry practices provides timely information that is easily compared to benchmarks and peer results. Within the Financial Section of the Comprehensive Annual Financial Report, the same information is reported in accordance with Generally Accepted Accounting Principles.

Risk Mitigating Strategies 5.1%

Innovative Strategies 0.2%

Inflation Sensitive 1.3%

Private Equity 8.1%

Strategic Overlay 0.1%

Cash/Liquidity 1.5%

Real Estate 12.6%

Fixed Income 14.7%

Global Equity 56.4%

Market Value of Investments(Fiscal years ended June 30)

$189,080 $191,409

$161,459$155,513 $150,611

$165,820

$118,875$129,961

$188,651$208,700

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

$ M

illio

ns

CalSTRS Summary Report 2017 3

CalSTRS Connections: Reaching Your Retirement - Spring 20184

Securing Your Financial Future continued

One-Year Time-Weighted Returns by Portfolio TypesAs of June 30, 2017

Global Equity Fixed Income Real Estate Private Equity Cash/ Liquidity

Inflation Sensitive

Innovative Strategies

Risk Mitigating Strategies

19.55 19.48

1.21

8.12

17.20

12.63

9.09

4.565.91

0.92 0.50

11.42

(8.90) (8.13)

7.36

0.300

4

(4)

(8)

(12)

8

12

16

20

22

CalSTRS Returns (Net of Fees) Custom Benchmarks

% P

erce

nt

Time-Weighted ReturnsAs of June 30, 2017

Total Fund (Net of Fees)

1 Year 3 Years 5 Years 10 Years 20 Years

13.4412.61

6.32 6.34

10.05 10.21

4.955.86

6.88 6.79

0

2

4

6

8

10

12

14

% P

erce

nt

Custom Benchmark**Policy weighted blend of asset class benchmarks.

WEBCalSTRS.comClick Contact Us to email

myCalSTRS.com

403bCompare.com

Pension2.com

STAY CONNECTED

CALL800-228-5453 7 a.m. to 6 p.m. Monday through Friday

916-414-1099Calls from outside the U.S.

888-394-2060 CalSTRS Pension2® Personal Wealth Plan

855-844-2468 (toll free) Pension Abuse Reporting Hotline

WRITECalSTRSP.O. Box 15275Sacramento, CA 95851-0275

VISITMember Services 100 Waterfront Place West Sacramento, CA 95605

Find your nearest CalSTRS office at CalSTRS.com/localoffices

FAX916-414-5040

CalSTRS Resources

The following charts show CalSTRS returns versus custom benchmarks as of June 30, 2017. Benchmarks are goals and standards used to measure investment performance.

4 CalSTRS Summary Report 2017

CalSTRS Connections: Reaching Your Retirement - Spring 2018 5

Do You Have a myCalSTRS Account Yet?myCalSTRS is your secure online resource for managing your personal information and CalSTRS accounts. Once you complete the easy registration process, you can complete and submit forms online, update your contact information, view your account balances and more!

Sign up at myCalSTRS.com today to gain instant 24/7 access to your accounts.

Delaying Retirement? Learn About Required Minimum DistributionsInternal Revenue Code section 401(a)(9) and the California Education Code require CalSTRS to begin distribution of your benefits no later than April 1 of the calendar year following the year you reach age 70½ provided you’re no longer performing CalSTRS-creditable service and your current employment isn’t covered by another public retirement system. For example, if your birthday is October 5, you would turn 70½ on April 5, so you would have until April 1 of the following year to take a refund or begin receiving a benefit from CalSTRS.

If you’re within the calendar year in which you turn age 70½ or older and you request a 100 percent rollover of your account balance, based on the IRC section above, CalSTRS will calculate and pay a portion directly to you, known as the required distribution, before rolling over the remaining funds. The rollover will be considered a complete rollover, even though 100 percent of your account balance was not rolled over.

We will send you two courtesy notification letters regarding the required beginning date and required minimum distribution. The first letter is sent the month after you reach age 69 and the second is sent the month after you reach age 70. You can update your mailing address on myCalSTRS.com. See the Member Handbook to learn more about the required minimum distribution.

Power of Attorney: Protect Your Loved Ones and YourselfIf you want a loved one to act on your behalf in the event you become incapacitated, a durable power of attorney is a legal document that grants power to someone else to make decisions for you. Although CalSTRS does not provide this form, it can be drafted by an attorney or a fill-in-the-blank form can be purchased. If you no longer manage your financial affairs, we need to know if you’ve given someone the legal authority to make decisions or inquiries related to your CalSTRS account and benefits.

Although we cannot provide legal advice or assistance in the preparation of such documents, you can call us at 800-228-5453 if you have general questions related to power of attorney.

CalSTRS Connections: Reaching Your Retirement - Spring 20186

Your Input Matters: Retirement Readiness Survey FindingsBy Jack Ehnes, CalSTRS CEO

Every two years, we conduct a survey to help improve our understanding of how our members plan for retirement. Your input helps us develop resources and tools that you can use when planning for your future. In May 2017, we emailed surveys to a random

sample of members across all career stages—from those who are just starting out to those who have already retired. Below are insightful findings from survey responses on how financially prepared CalSTRS members are for retirement.

• The ability to afford medical expenses in retirement remains a top concern for active members (67 percent). While there is no change in their level of concern around medical expenses since the last survey, their concern about the financial viability of Social Security increased.

• Active members with a voluntary retirement savings plan have an average balance of $174,000—an increase of about 47 percent from the 2015 survey.

• Mortgage payments were cited by active members as the top obstacle to saving for retirement (home ownership among active and retired members decreased, although levels remain high relative to

the U.S. and California). Other obstacles include college expenses for children as well as their own student loan debt.

• The percentage of active members with student loan debt has decreased from 66 to 63 percent. For those with student loan debt, the average balance is $46,000.

• Half of CalSTRS active members do not know if the Windfall Elimination Provision will affect their Social Security benefits. Thirty percent expect to be affected by the WEP and 20 percent do not.

• One in five retired members continues to work in retirement and half participate in volunteer work.

• Although 81 percent of retired members said their CalSTRS retirement benefit either met or exceeded their expectations, nearly half of those members responded that their benefit did not replace enough of their working income.

• The majority of retired members (76 percent) were able to maintain the same or a higher standard of living than before retirement.

• Sixty-three percent of retired members rated their retirement income as being mostly or completely sufficient. The 20 percent who rated their retirement income as completely sufficient increased from 18 percent in 2015.

Learn more about the survey results by downloading the CalSTRS Retirement Readiness Assessment at CalSTRS.com/reports-and-studies.

From creating an action plan for your retirement to learning about Medicare basics and Social Security offsets, our workshops are designed to meet your needs no matter your career stage. Search for a workshop near you at CalSTRS.com/workshops.

Protect Your Future: Explore the CalSTRS Financial Awareness Workshops

CalSTRS Connections: Reaching Your Retirement - Spring 2018 7

How Pension2 fits into your future

CalSTRS Pension2®403(b) and 457(b) plans give you a smart way to build personal savings that complement your CalSTRS retirement benefit.

• You control how you save and invest.

• Your costs are lower, with no commissions.

• You choose funds to match your investing ability, selected by CalSTRS.

• Your account can potentially grow tax-deferred with taxes generally not due until money is withdrawn.

Have funds in your CalSTRS Defined Benefit Supplement account? Roll them over to Pension2 when you retire.

It’s your future. Choose Pension2TM.

Learn more at Pension2.com.

Need Help Choosing a 403(b)? A 403(b) supplemental retirement savings plan is one way to set aside additional money for your secure future. If you’re looking to roll over funds or start a 403(b) account, visit 403bCompare.com today to explore your options and easily compare between hundreds of plans.

continued from page 1

Teacher Talk: Spotlight on California’s EducatorsJones grew up in Hawaii where her father was stationed in the military, but she describes her mother as a

“little Tulare farm girl.” She and her sister spent every summer in Tulare when they were young, hanging out with their extended family. “I feel like I grew up here, too.” She’s now in her 10th year of teaching at Mission Oak in Tulare where her husband also teaches.

Her eighth grade English teacher was her inspiration to teach. “She taught us Shakespeare. We read Macbeth, excerpts from Hamlet. She loved England and she would go every summer. She was an expert in her craft and her content, but she loved us and it felt good being around her.”

And that’s the formula she uses to be a good teacher—knowing your subject matter and connecting with students. “You can’t just love your kids and do nothing to challenge them. You can’t just teach chemistry and history and not know your kids’ names. You can’t teach one way and be truly effective,” said Jones.

“I started teaching in my 30s. I could see teaching until I’m deep into my 60s or 70s. I find so much identity in the title of teacher—I think I’d really struggle without it. I’m a wife and mother and sister. These are all wonderful titles that I own, but teacher is something I created and I spent my whole life trying to figure out. It’s like never finishing a jigsaw puzzle. The better you get at teaching, the more critical you are of yourself.”

Teacher Talk is a series of profiles on California teachers and other educators featured on our website. For the full-length version of this story, visit CalSTRS.com/teacher-talk-profiles.

WEB CalSTRS.com Click Contact Us to email

myCalSTRS.com

403bCompare.com

Pension2.com

CALL 800-228-5453 7 a.m. to 6 p.m.Monday through Friday

916-414-1099 Calls from outside the U.S.

888-394-2060CalSTRS Pension2®Personal Wealth Plan

855-844-2468 (toll free) Pension Abuse Reporting Hotline

916-414-1411 CalSTRS Ombudsman

WRITE CalSTRSP .O. Box 15275Sacramento, CA 95851-0275

VISIT Member Services100 Waterfront PlaceWest Sacramento, CA 95605

Find your nearest CalSTRS office at CalSTRS.com/localoffices

FAX 916-414-5040

STAY CONNECTED

PRSRT STDU.S. POSTAGE

PAIDPERMIT NO. 25

SACRAMENTO, CACalSTRS Resources

Moved or Planning a Move Soon?Three ways to update your contact information:

myCalSTRS makes it easy. From the home page, select Update Your Profile, then follow the instructions.

myCalSTRS.com

Complete the Address Change Request form, sign, date and mail it to us.

CalSTRS.com/forms

Call us at 800-228-5453. To use this option, you must have a valid email address. Best times to call are Wednesday, Thursday or Friday 7 a.m.–10 a.m. or 4 p.m.–6 p.m.

For your security, when you update your mailing or email address, we will send you a letter and an email confirming the update.