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Professional DevelopmentMay 19, 2014ISIC Pupil Services
North AmericanInsurance Company
A Word From Out Sponsor…
California Teachers Retirement (CalSTRS)
California Public Employees Retirement (CalPERS)
Are you saving enough for ALL your tomorrows?
More than 50% of working adults over 50
believethey may have to delay
retirement.
16% say they never expect to stop
working.**
Reality Check!
Market risk
Rising taxes
Health issues
Your CalSTRS/CalPERS pension
Factors That Will Impact Your Lifestyle In Retirement
Your age and years of service under CalSTRS
Age factor (from CalSTRS Table)
Final average compensation
How Do You Determine Your CalSTRS Pension?
Sample Calculation
1. Jane’s years of service 29
2. Her age factor at age 60 2%
3. Multiply her 29 (YOS) X 2% (Age factor) = Payout Factor (PF)
58%
Calculating Your Monthly
Retirement Benefit
Jane, Teacher, Age 31
Calculate Jane’s Monthly Payout:highest one year salary $60,000 X 58% (PF) = yearly payout
$34,800
$34,800/12 = monthly payout $2,900
Is that adequate today?
For illustrative purposes only. Source: CalSTRS Handbook
Calculating Your Monthly Retirement Benefit, cont.
That’s a Big Income Gap…..
$23,316/12 = monthly after tax $1,943
In Attempting to Fill the Income Gap
Do You Take?
Why Do People Take Risk With Their Retirement?
13
Safety of
Principal
UpsidePotenti
al
.25% to 1.6%
Fixed Product
s
Variable
Products
Risk ofPrincip
alThat’s Another Big Income Gap…..
“Potential” Higher Returns
TAXES**
0 Taxes Paid Taxes Paid
100% Taxed at Access
100% Tax-Free Access
Tax Deferred
Tax Free
$$$Retirement
Savings
$$$Retirement
Savings
TAX PLANNING STRATEGIESAre TAXES going to be LOWER or HIGHER when you retire?
Stock Market Crash – 25%
2nd Worst Financial Crisis in History
Taxes High for 50 Years
Changes In Our Economy
Will History Repeat Itself?If So, Does It Make Sense To Defer Your Taxes?
HEALTH Unexpected Medical Expenses cause…
62% of all Bankruptcies.
49% of all Foreclosures.
…and75% of the above had health insurance
HEALTH Research shows that at least 70 percent of people over 65
will need long term care services at some point in their lifetime1.
Every minute someone will die from a heart attack and every 40 seconds, someone suffers a stroke2
The average annual nursing home cost in California is $84,000.3
Will you have enough in reserve to bridge this huge…
Medical Expense/Income Gap?...1National Center on Caregiving, 2012
2American Heart Association, American Stroke Association, Heart Disease and Stroke Statistics, 2008 update3Genworth’s 2013 Cost of Care Survey
How Do You Fill The Income Gaps?
Our Focus Going Forward
~Warren
Buffett
Rule #1: Never Lose
Money Rule #2: Never Forget Rule #1
21
There Are Strategies Today That Give You The Best Of Both
Worlds…..Safety with Upside Potential
Safety of
Principal
UpsidePotenti
al
IndexedProducts
.25% to 1.6%
Fixed Product
s
Variable
Products
Risk ofPrincip
al
HOW MONEY WORKS
EARNINGS & GROWTH
Indexing COMBINES Safety and Potential
$100,000 Invested 1997
Indexed AccountLarge Company Stocks
$150,000
$140,000
$120,000
$100,000
$160,000
$170,000
$90,000
$110,000
$180,000
$190,000
$200,000
$210,000
$130,000
8/97 8/98 8/99 8/00 8/01 8/02 8/03 8/04 8/05 8/06 8/07 8/08 8/09 8/10 8/11 8/12
$151,836
$128,379
$140,217
$93,403
$116,838$117,453
$130,430$134,185
$103,485
$133,065
$109,673
$120,396
$154,762
$139,739
$150,708
$115,563
$124,230$124,230
$143,563
$158,775
$170,683
$154,330
$133,547
$107,500
$170,683
$183,484
$197,245
$212,039
$150,708
$212,039
$61,331 Difference!
1. Tax-deductible contributions
2. Tax-deferred growth3. Taxable income
403b Indexed Annuity
1. After-tax contributions2. Tax-deferred growth3. Non-taxable income
Roth IRA Indexed Annuity or Roth 403b
Both strategies can also provide a guaranteed stream of income for life
Guaranteed Lifetime Income Rider
What Are Your Potential Options?
2nd Pension!
Time Magazine Suggests a New Option to Supplement Your Retirement IN
Cash Value__________________________________________
Life Insurance
Pension Plan
One Solution for Multiple Risks
Benefits may not be mutually exclusive. Using one benefit may reduce or eliminate another.
=
Death Benefit
Protection
Cash ValueAccumulation
AcceleratedLiving
Benefits
Indexed Universal Life… insurance you don’t have to die to
use.
What's The Best Strategy For You?
Annuities (Indexed 403(b)/TSA, ROTH IRA)
Indexed Universal Life (Living Benefits, Tax Free Income for Life)
Both
Every Situation is Different*
Financial Solutions for Today’s School District
Employees
Financial Solutions for Today’s School District
Employees
Financial Solutions for Today’s School
District Employees
Administrative Updates
Reed Settlement Update
• Schools That Tentatively Purchased to Date• Fremont HS• Jefferson HS• West Adams Preparatory HS• Roosevelt HS
• Positions Available• Reed PSA Counselor – B-Basis
*Deadline for all previously flown positions is 5:00 PM tomorrow, May 20, 2014!
Z – Time
• Z – Time Worked up through 6/13/14• Fax forms to Valerie at (213) 241-2031
• Z – Time Worked after 6/13/14• Fax forms directly to Gloria at (213) 241-6858
Closing Out the School Year
• As if you will not be returning to that site• Take all personal notes and belongings with you• Leave files for next year’s counselor• Optional:
• Counselor to Counselor Case Transfer Forms and Files• Form is posted on the ISIC PSA Website• School mail to ISIC PSA (Beaudry, 11th Floor) for August
Distribution• Distribute and Collect Matriculation Forms
• Forms are posted on the ISIC PSA Website
SART Tally
• We will pass the list around.• Please review it for your school(s) SART totals based on your
Monthly Summary of Services.• The number of SART meetings you indicated on the SART Tally
Sheet must correspond with the number of SART contracts on file for this school year for each school assignment.
• If it is correct, please initial next to the school.• If it is incorrect, please make changes on the list.• Pass it on to the next counselor.• Thank you for your cooperation.
Due Dates
• Friday, May 30, 2014• Timesheets for May & June• Mileage Form for May (Complete Month)• Multi-Funded Time Reports for May & June
• Wednesday, June 4, 2014• Monthly Summary of Services for May
• Last week of School• Sign-In Card on Last Day of Work at Each Location (please
make sure it is a clear and legible copy with all signatures)
• Fax or E-mail All Documents to Valerie• Fax # (213) 241-2031
100% Attendance SubmittalBest Student Attendance
Monthly Perfect AttendancePerfect Attendance
SARB Awards
April Awards
100% Attendance Submittal(April, 2014)
School PSA Counselor
Coliseum ES Kendis Wilbourne
Crenshaw STEMM Magnet Micquelyn Jones
FG Joyner ES Adrienne Braden
Hillcrest ES Kendis Wilbourne
Jordan HS Armond Mc Daniels
Marquez HS - HPIAM Graciela Ortiz
Marquez HS - LIBRA Graciela Ortiz
Marquez HS – SOC JUS Graciela Ortiz
Vista MS Jose Diaz
Woodcrest ES Adrienne Braden
YES Academy Mark Trujillo
Best Student Attendance(through April 30, 2014)
PSA Counsel
or School
Students at 96%
(with 96% minimum submittal rate)
Elementary
School
Kendis Wilbourn
e
Hillcrest ES
64.6%
Middle School
Tania Martinez
Stevenson MS
79.3%
High School
Maureen Greeley
Banning HS
73.4%
Monthly Perfect Attendance(April, 2014)
Geraland Benson
Adrienne Braden Horace Brown
Richard Croucier
Luz Cubias Maribel Munguia Dugas
Sagrario Gonzales
Maureen Greeley Sandra Guevara
Micquelyn Jones Jay Kirby Cesar Martinez
Tania MartinezArmond Mc
DanielsVanessa Ramirez
Marco Rodriguez
Wanda SooHoo Marcela Tarquino-Klossner
Mark Trujillo Mario VegaVeronica
Villanueva
Norman Wallace
Great job!
Perfect Attendance Wall of Fame(through May 18, 2014)
Micquelyn Jones
Armond Mc Daniels
Wanda SooHoo
Operation School Bell @ GLAYS
Counselor SpotlightCesar Martinez
Attendance Assembly
Bike Raffle Winner
Raffle Winner
Operation School Bell @ GLAYS
Counselor SpotlightNorm Wallace
Sun Valley MS
Operation School Bell @ GLAYS
Counselor SpotlightSARB Awards
Exceeding ExpectationsMost SARB Cases Presented
Megan Brown - 4Maribel Munguia Dugas - 4
Martha Lopez - 4Grace Ortiz - 3
Veronica Villanueava - 3
Honorable MentionStudents with 75% Improved Attendance Post SARB
Megan BrownMaureen Greeley
Jay KirbyArmond Mc Daniels
Grace OrtizDeirdre Skelton
Marcela Tarquino-KlossnerVeronica Villanueva
“I’m IN” Attendance AwardsFebruary & March
Please pick up your awards before you leave today.
BirthdaysKendis Wilbourne –
May ?Micquelyn Jones –
May 5th
Maureen Greeley – May 14th
Wanda SooHoo – June 14th
Megan Brown – June 17th
Jose Diaz – July 2nd
Happy Retirement!
Anthony TherrattilNorm Wallace
PROMOTING STAFF RESILIENCE DURING DIFFICULT TIMES
Maria Chua, LCSWMental Health Consultant
School Mental Health and ISIC Operations
ISIC PSAs
May 19, 2014
Goals for Today
• Engage in learning about Compassion Fatigue.
• Engage in learning and dialogue about how life stressors can impact one’s physical & psychological well-being.
• Reflect on ways we can cope with those effects and how we can identify and incorporate self-care strategies.
A Pep Talk…
Grounding
• Your name• Which school(s) or location
you work• One source of strength and
why?
56
“The expectation that we can be immersed in suffering and loss
daily and not be touched by it is as unrealistic as expecting to be
able to walk through water without getting wet.”
Rachel Naomi Remen, Kitchen Table Wisdom 1996
From: Françoise Mathieu, Compassion Fatigue Solutions
A B
C
D E
FG
H
I
A = baseline functioningB = eventC = vulnerable stateD = usual coping mechanisms failE = helplessness, hopelessnessF = improved functioning
G = continued impairment (PTS)H = return to baselineI = post-traumatic growth
Adjustment Over Time in Crisis
Knowing, Engaging, Vulnerability
• Secondary Traumatic Stress“The natural and consequent behaviors and emotions resulting from knowing about a traumatized event from another person, the stress from helping or wanting to help a traumatized or stressed person.” (Charles Figley, 1995)
• Vicarious Traumatization:– “. . .refers to the cumulative effect of working with
survivors of traumatic life events. Anyone who engages empathically with victims or survivors is vulnerable.”
(Pearlman & Saakvitne, 1995)
Compassion Fatigue
“There is a cost to caring. We professionals who are paid to listen to the stories of fear, pain, and suffering of others may feel, ourselves, similar fear, pain and suffering because we care.”
Charles R. Figley, Ph.D.
Burnout vs. Compassion Fatigue
Burnout is a state of emotional, mental, and physical exhaustion…Often with feelings of hopelessness and difficulty in dealing with work or doing your job effectively.
• Feels like my efforts don’t make a difference • The job is changing me into a different person• I have a reduced feeling of personal accomplishments• Often related to high workload or a non-supportive work environment
Multiple Exposure: Increased Risk
Prior Trauma
Traumatic Grief/Loss
Direct Exposure
Secondary Trauma
Compassion Fatigue
Burnout
Core Beliefs
The world is a safe place.I can trust others.I am competent.
The world is a safe place.
I can trust others.
I am competent.
Common Reactions
• Insomnia• Anxiety• Somatic complaints• Mood symptoms• Dissociation• Regression in children
Direct Exposure: Being in Harm’s Way
Traumatic Stress Response
FlashbacksHyper-arousal
NightmaresNumbing
• When we approach individuals with an open heart and a listening ear, Compassion Fatigue can develop.
• Compassion Fatigue is not a sign of weakness or incompetence; rather, it can be the cost of caring.
Compassion Fatigue as an Occupational Hazard
• Making healthy choices (exercise, eating, sleep)
• Decreased energy• Feeling that there is no time for
one’s self• Disconnection from others• Social Withdrawal• Physical illness/absences from
work• Cynicism, despair, and
hopelessness• Memory impairment
What aspects of your life are impacted most
when you are stressed and overloaded?
Self-Care Inventory
• Respecting the dignity and worth of oneself.
• Taking responsibility for self-care (physically, psychologically, socially)
• Acknowledging the relationship between self- care and duty to perform.
Our Ethical Responsibility for Self-Care
What is Resilience?
• “Resilience” is the ability to bounce back from, or to successfully adapt to, adverse conditions such as personal or community problem or loss.
• Resiliency combines the interaction of risk factors & protective factors
Resilience Factors
1.Sense of safety2.Ability to be calm3.Self-efficacy and community-efficacy 4.Connectedness5.Hope
What is our professional protective gear?
Protective Factors
• Self-Care• Competent consultation and supervision• Training• Sense of control• Spirituality• Exercise• Humor• Satisfying personal relationships
Self-Care Stoplight
• What might you stop doing?
• What might you continue doing?
• What might you start doing?
Benefits Navigation
• EMPLOYEE ASSISTANCE PROGRAM (counseling, financial, legal, family support, and more)
(866) 312-3077• For more information or to make a health/mental
health appointment through your health provider:
Anthem Blue Cross
Customer Service 24/7 Nurseline
(800) 700-3739 (800) 597-0156
Health Net (888) 426-0030Kaiser Permanente (800) 954-8000CVS Caremark (888)752-7229
APPS
GPS4Soul“Deep Relaxation Hypnosis, Guided
Meditation & Subliminal” from
Erick Brown
QUESTIONS?
Maria A. Chua, LCSWMental Health Consultant
School Mental HealthISIC Operations(213) 241-3906
Contact Information
Break
Antonio Hernandez
MiSiS - My Integrated Student Information System
Next Meeting
• Monday, August 11, 2014• Location - TBD
Have a great summer!