Your pension is a powerful retirement asset—but understanding how it fits into your overall plan can be complex. We help public employees like you:
Understand your pension options
Calculate projected income and survivor benefits
Coordinate with 403(b), 457, IRAs, and Social Security
Prepare for taxes, inflation, and longevity risk
Your pension shouldn’t exist in a silo. We’ll build a retirement strategy that puts your benefits in the right context—so you can retire with confidence.
Pension maximization is a strategy that allows you to take the higher single life pension payout and use a portion of that increased income to purchase a life insurance policy. This life insurance then provides tax-free income to your spouse or loved one if you pass away—helping you maximize your lifetime retirement income while still protecting your family.
It’s a smart way to:
Increase your monthly pension income now
Maintain spousal protection without relying on reduced survivor benefits
Potentially leave a larger, tax-free legacy
Not sure if it’s right for you? We’ll compare both options and run the numbers.
Most public employees—like teachers and city workers—no longer receive group long-term care (LTC) benefits through their employer. That leaves a major gap in retirement planning.
Beside Traditional LTC Plans, hybrid LTC solutions offer a smarter way to fill that gap:
Limited pay periods (e.g., 10 or 15 years)
Guaranteed benefits with no “use-it-or-lose-it” risk
Tax-free death benefit if care isn’t needed
It’s a way to protect both your retirement and your family’s legacy—without ongoing lifetime premiums.
Let’s explore which option fits your plan.
Get the expertise and guidance to optimize your pension and prepare for costs during extended periods of care — so you can retire with clarity and confidence.
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