Thanks for showing me how to properly plan for my retirement and how to triple my TSA with minimal effect on my take home pay. I especially liked the way you were able to take care of my insurance needs within my annuity. You have a great program and I have learned a lot from you over the last 22 years.

Maria Salas, San Jose, CA Alum Rock School District, 29-Year Educator

It is without reservation that I recommend CRSOne Financial & Insurance Services. Thirteen years ago, I had decided to contribute more to my Tax Shelter Annuity, but before I was going to make that commitment to any company we were going to interview several. Of all those surveyed CRSOne had the best knowledge about STRS and Tax Shelter Annuities. They have always been responsive to our needs and helping me to achieve my financial goals. Thanks for all the help.

Roger Anton, Retired Superintendent/Educator, Salinas Union High School District, 39-Year Educator

It gives me great pleasure to recommend CRSOne. Their 403(b) tax-sheltered annuity program has provided terrific tax savings, low cost loans, life insurance and great service over the last seventeen years. I appreciate all of your assistance in helping me provide for my family and achieving my financial goals. Thanks for being there, the future looks great!

Al Sanchez, Director Sanger Unified School District, 21 Year Educator

Thanks for all you assistance in managing my money!! You have not only helped me maximize my take home pay, but also helped me use the money from my TSA to purchase my first home! I couldn't have done it without you. Thanks for your help over the last twelve years.

Renee Privratsky-Gray, Grawley Union High School District, 18 Year Educator

Before meeting with CRSOne, we had established a minimal retirement plan with a person that we met at a conference with no strategy in mind. After meeting with Mr. Arredondo about twelve years ago, we have saved more in our tax-shelter than we ever saved in any other program and if we continue we should have a comfortable retirement. In addition, he was always available to answer questions and help us solve our tax problems as well as other Estate planning needs.

Frank and Melva Garcia, Hayward, CA UC & Chabot CC, 34 & 23 Year Educators

CRSOne Financial & Insurance Services annuity program has been very beneficial in planning my retirement. You have been very helpful and accessible over the last eighteen years. I have found you to be very client centered and knowledgeable of your products. Keep up the good work!

Zeke Garcia, San Jose, CA, San Jose City College, 32 Year Educator (Retired)

We first met through a mutual friend who was concerned about my future, since I was a struggling educator. That was 14 years ago and today I have established a solid 403(b) TSA program so I may have a comfortable retirement...

Ana Gonzalez, Spanish Teacher, Hanford West High School, 15 Year Educator

I have been a client with CRSOne Financial & Insurance Services for the past twelve years. Mr. Arredondo introduced me to the benefits of opening a Tax Sheltered Annuity 403(b), in addition to my STRS plan. I have reduced my taxable income considerably, without making much difference in my monthly take-home pay! I also have added benefits of obtaining low-interest loans, yearly tax projections as well as peace of mind...planning for a secure future. Thanks Michael!

Julie Fierro, Tulare City SD, Tulare, CA 23 Year Educator

It has been a wonderful opportunity to have CRSOne and Michael Arredondo work with me as a retirement planner over the last twenty years. Often times I have questions regarding the status of my 403(b) account, taxes, or finances and he is quick to respond with an answer to my questions. Michael makes every effort to explain his answers in simple terms. He always lets me know as a client that he is there to help whenever the need arises.

Connie Garcia, Berryessa, USD San Jose, CA 30 Year Educator

The service and personal care I have received from CRSOne are second to none. I have worked with other TSA companies but the service, knowledge and personal attention I receive from CRSOne are unbeatable. I feel comfortable with my retirement plan and I know that my plan is reviewed often to assure that it meets my goals. I recommend CRSOne without reservation.

Darla Mayhew, "In Loving Memory" 22 Year Educator, Sonora Union High School
08/16/56 to 10/31/05

We would like to extend our gratitude to CRSOne for being there when we needed them. When my husband and I relocated we found our new home, but hadn't sold our previous home. Mr. Arredondo's knowledge and expertise allowed us to use our TSA funds for our down payment until our 1st home sold. We were on a 30-day time frame and he made it happen. Thank you Michael Arredondo!

Fernando and Toni Rivera, Santa Paula ESD, 23(retired) and 12 Year Educators

It's people, not programs that make positive things happen. People like you employed by CRSOne definitely have lived up to this statement. We are grateful for all your advice, direction and friendly support as you have helped us for the last 14 years to plan for our family's future by educating us on the Tax Sheltered Annuities 403(b)'s and low cost loans. We will continue to recommend you to all our friends and colleagues.

Sally Jimenez, Fresno, CA, Fresno Unified School District, 14 year Educator

My husband and I have been clients of CRSOne for more than 15 years. We have complete faith and trust in Michael Arredondo to manage every aspect of our financial picture. Beginning with one simple tax-sheltered annuity account, we credit him with guiding us to make all the right decisions over the years so that we can proudly say that we are both financially secure in our recent retirements. Without his expertise, we would not have had the knowledge or the insight to “grow” our money in order to accomplish our goals for this next phase of our lives.

Whether the issue is taxes, STRS, investments, or major purchases, he is always one phone call away with information and advice. We appreciate his friendly, personal service and feel confident contacting him whenever we have a financial question or concern.

Betty Cook, Tulare City Schools, 23 year Educator