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As a PSPRS member, your pension is a major piece of your retirement plan, but it isn't the only one. We help bring together your pension, DROP, investments, taxes, healthcare, and Social Security into one coordinated plan.
Follow the retirement planning process for Anthony, an Arizona firefighter and PSPRS member, and Maria, a nurse, as we work through the key decisions leading up to retirement.
Watch the Video SeriesYour PSPRS pension and DROP are important pieces of retirement, but they are only part of the plan. A complete retirement plan also considers your spouse's benefits and accounts, investments, taxes, Social Security, healthcare, and how everything works together to support your household throughout retirement.
Understand your pension options, DROP election (if applicable), and how those decisions affect your retirement.
Coordinate your pension, DROP, Social Security, and retirement accounts to create a dependable retirement paycheck.
Evaluate Roth conversions, future RMDs, tax brackets, and Medicare IRMAA to make informed decisions with the goal of reducing your projected lifetime tax burden.
Align your investments with retirement cash flow needs, using cash, fixed income, and equities for different time horizons.
Coordinate survivor benefits with your spouse's retirement accounts, pension, Social Security, and other household resources.
Plan for healthcare before and after Medicare, including coverage options, premiums, and how healthcare costs will be paid.
Your PSPRS benefits are an important starting point. Let's bring the rest of your retirement picture together.
Retirement planning isn't one decision, it's dozens of small (mostly irreversible) ones: when to claim, what to convert, what to draw down first. We walk the whole route with you, one decision at a time.
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