It's never too late, or too early, to plan for your financial future.
We offer specialized guidance for career law enforcement professionals.
Retirement Eligible
You’re on a tight timeline but you can do this in as little as 45 days. Don’t delay!
1-3 Years Until Retirement
You are in a great spot to take full advantage of our firm’s capabilities.
Early/
Mid-Career
There’s no benefit to procrastination. Contact us to begin planning your ideal retirement.
Academy Graduate
If committed, you can achieve anything. We can help!
Our Commitment
With a deep commitment to education and specializing in helping Law Enforcement Professionals since 2001, our team is well-positioned to help navigate the complexities of your retirement transition.
Leverage our experience to guide you through making smart choices when very important planning opportunities present themselves. For example:
The DROP Program
Perhaps the greatest strength of these plans is the ability for a police family to better increase their household liquidity at retirement. Invested prudently, assets can help mitigate the risk of long-term inflation while allowing tax deferral following your separation from police work, a period when many continue earning in a second career or job. Furthermore, DROP proceeds may be better structured to align with some of life’s most important goals and dreams, not just left to chance.
As DROP programs have increased in popularity, it’s been our experience that the administration of these plans typically varies by agency. Custodians typically maintain different rules and operational procedures, which can be challenging for participants and sometimes inflexible
Deferred Comp 457b and Thrift Savings Plan (TSP) investments and programs
These programs are popular for their convenience, ease of enrollment, and perceived low costs. However, most of these programs tend to have limited investment options and access to your money can be a challenge prior to the retirement separation. To our trained eye, they really provide value in managing income taxation at different points in your career. Our team can help you leverage them effectively.
Selecting Pension Payout and Survivor Benefit Options
If there’s one critical area, this is it, as elections for lifetime payouts are typically irrevocable. Historically, pensions had limitations with respect to survivor benefits and payouts for pensioners. We’ve seen many programs evolve over the last 2 decades, now providing flexibility to accommodate a myriad of options for survivors and beneficiaries. This presents a significant financial planning opportunity, as no two households are identical, and the historical one-size fits all approach to default pension benefits wasn’t ideal.
Lump-Sum Pension Buyout (your contributions plus interest)
Exercising lump-sum pension payouts, whether full or partial, is also an area that can be fraught with pitfalls. It’s advisable to have a skilled professional guide you through the unique complexities of your agency’s plan to avoid costly mistakes and to weigh the pros and cons of different options before signing on the bottom line.
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our success.