About

Services

What you'll learn

Why us

FAQs

A Masterclass Exclusively for
LAUSD Staff

If you invest one hour, I promise to do my best to give you 30 years of clarity and confidence.

If you invest one hour,
I promise to do my best to give you 30 years of clarity and confidence.

selective focus photography of man wearing blue and white striped collared top

Join many LAUSD employees who’ve already taken the first step toward retirement security.

Secure Your Spot in the LAUSD Roth 403(b) Masterclass

Why This Matters?

Why Your Retirement Needs Attention Right Now

Mounting federal debt is leading to higher taxes — directly reducing the value of your retirement savings.

Putting this off only makes the problem harder to solve — the earlier you act, the stronger your retirement can be.

Without a proactive plan, you could face running out of income later in life.

Future tax increases could take a bigger bite out of your 403(b) and other retirement accounts.

The 2% COLA adjustment won’t match real-world inflation, leaving many retirees short.

Future tax increases could take a bigger bite out of your 403(b) and other retirement accounts.

Introducing Valley Income & Insurance Services

Introducing

Valley Income & Insurance Services

The A-to-Z System for LAUSD Employees Financial Security

Get Ahead

A Masterclass Exclusively for LAUSD Staff

We specialize in guiding LAUSD employees through the challenges of today’s financial landscape. In this exclusive webinar, you’ll learn how to make the most of your CalSTRS/CalPERS benefits, protect your income from rising taxes and inflation, and understand how the Roth 403(b) option can safeguard your retirement savings. Our goal is to give you clarity, confidence, and a clear plan so you can retire securely — without the stress of uncertainty.

Your ROTH 403(b): A Blueprint for Financial Security

Your ROTH 403(b):

A Blueprint for Financial Security

Discover why integrating the ROTH option into your LAUSD plan today could be the most important move you make for your retirement.

What You’ll Learn

What the looming federal debt crisis really means to LAUSD employees — and how to protect your 403(b) savings

How to build a confident financial future by reducing and eliminating the risk of running out of money in retirement

Why the 2% CalSTRS COLA will fall short — and how your plan’s TSA can provide lifetime income security

Lifetime access to your customized retirement roadmap

How integrating a Roth option into your LAUSD plan today will safeguard your financial security and give you peace of mind

Tailored Financial Plans

Fast appointments

Trusted Advisors

Long-Term Partnership

Why LAUSD Employees Choose Us?

The Results Speak for Themselves

10+ Hours Saved Every Month

We handle the paperwork, pension details, and benefit coordination so you can focus on your students and family.

10+ Hours Saved Every Month

We handle the paperwork, pension details, and benefit coordination so you can focus on your students and family.

10+ Hours Saved Every Month

We handle the paperwork, pension details, and benefit coordination so you can focus on your students and family.

92% Client Confidence Boost

Most LAUSD employees report feeling more secure about retirement after just one consultation.

92% Client Confidence Boost

Most LAUSD employees report feeling more secure about retirement after just one consultation.

92% Client Confidence Boost

Most LAUSD employees report feeling more secure about retirement after just one consultation.

4.9/5 Satisfaction Rating

Trusted for clarity, professionalism, and making complex benefits easy to understand.

4.9/5 Satisfaction Rating

Trusted for clarity, professionalism, and making complex benefits easy to understand.

4.9/5 Satisfaction Rating

Trusted for clarity, professionalism, and making complex benefits easy to understand.

95% Plan Adoption Rate

Our retirement strategies are practical, personalized, and built around CalSTRS/CalPERS — so they just make sense.

95% Plan Adoption Rate

Our retirement strategies are practical, personalized, and built around CalSTRS/CalPERS — so they just make sense.

95% Plan Adoption Rate

Our retirement strategies are practical, personalized, and built around CalSTRS/CalPERS — so they just make sense.

2,000+ Educators & Families Guided

From new hires to long-time teachers, we’ve helped thousands prepare with confidence.

2,000+ Educators & Families Guided

From new hires to long-time teachers, we’ve helped thousands prepare with confidence.

2,000+ Educators & Families Guided

From new hires to long-time teachers, we’ve helped thousands prepare with confidence.

20+ Years Serving School Employees

We’ve navigated pension changes, policy updates, and market ups and downs — always putting educators first.

20+ Years Serving School Employees

We’ve navigated pension changes, policy updates, and market ups and downs — always putting educators first.

20+ Years Serving School Employees

We’ve navigated pension changes, policy updates, and market ups and downs — always putting educators first.

This could be your story too.

Meet Your Advisor

Your Guide to a Secure Financial Future

Dan Harutunian CFP®, MJ

Certified Financial Planner®

BIO

With over three decades in financial planning, Dan Harutunian has developed a proven process that builds a foundation of guarantees before taking on investment risk — ensuring stability and confidence for his clients.

Each client receives a clear, personalized roadmap showing what post-retirement spending and income will look like, along with strategies to minimize the effects of taxes and inflation.

Dan’s career began in the Wealth Management divisions of Great Western Bank, Home Savings of America, and Wells Fargo. A proud Rotarian, he holds a B.A. in Economics, a Masters of Juris Prudence from Texas A&M University School of Law, and the Certified Financial Planner® designation.

California Insurance License #0B58663

Dan Harutunian CFP®, MJ

Certified Financial Planner®

BIO

Each client receives a clear, personalized roadmap showing what post-retirement spending and income will look like, along with strategies to minimize the effects of taxes and inflation.

California Insurance License #0B58663

Dan Harutunian CFP®, MJ

Certified Financial Planner®

BIO

Each client receives a clear, personalized roadmap showing what post-retirement spending and income will look like, along with strategies to minimize the effects of taxes and inflation.

California Insurance License #0B58663

Join Our Trusted Network of Retirement Experts

Join Our Trusted Network

of Retirement Experts

Authorized Agent of Tarkenton Financial

Through our close partnership with Fran Tarkenton and the Tarkenton Financial team, we provide clients with access to top-tier insurance products, proven strategies, and exclusive resources designed to help you achieve your retirement income goals. For nearly 5 years, Dan has worked directly with Tarkenton Financial, ensuring every client benefits from decades of combined expertise and industry insight.

FAQ

Frequently Asked Questions

How much time do I need for the webinar?

Just 1 hour. In that time, you’ll learn how the federal debt crisis, taxes, and inflation could impact your CalSTRS/CalPERS pension — and how adding a Roth 403(b) option may safeguard your retirement savings.

Do I need to understand pensions or tax laws first?

Not at all. We’ll break down complex retirement concepts into plain language so every LAUSD employee can follow along confidently.

What makes this different from free resources online?

This webinar is tailored exclusively to LAUSD employees and focuses on how your Roth 403(b) fits with your CalSTRS/CalPERS benefits — information you won’t find in generic tutorials.

Can I watch if my schedule is busy?

Yes! Sessions are available live on Zoom and can be rescheduled. We also offer follow-up consultations for your specific questions.

Will I get ongoing updates as rules or benefits change?

Absolutely. We’ll keep you informed about changes to retirement plans, tax rules, and LAUSD-specific benefits — so you always know your next best step.

Plan Your Future with Confidence

Secure Your Spot in the LAUSD Roth 403(b) Masterclass

Learn how the federal debt crisis, rising taxes, and inflation could impact your CalSTRS/CalPERS pension — and why adding a Roth 403(b) option today may be the smartest move you can make for lasting financial security.