Retirement Benefits for State, City & County Employees

We specialize in helping public servants, including firefighters, police officers, teachers, and municipal workers, understand and maximize their pensions and 457(b) plans.

State, City & County Pensions

  • Final Average Salary & service credit calculations
  • Early retirement reductions & penalties
  • Survivor & disability benefit options
  • Public safety (Fire/Police) special provisions

"Many state and local employees leave significant retirement income on the table by not understanding their pension rules."

457(b) Deferred Compensation Plans

  • Contribution limits & employer matches
  • Avoiding high-fee investment options
  • Roth vs Traditional strategies
  • Withdrawal planning in retirement

"Public employees often have access to excellent 457 plans, and we help you make the most of them."

What We Review Together

Pension Maximization

Final average salary, service credit, survivor benefits, and optimal retirement timing.

457(b) Optimization

Contribution strategy, investment selection, and tax-efficient withdrawals.

Full Public Sector Picture

Pension + 457(b) + Social Security + retiree health coverage coordination.

Ready to Maximize Your Benefits?

Book your complimentary 30-minute review today.

Schedule Your Free Review Now