Public Employees

Your Retirement Deserves Someone Who Speaks Its Language.

If you spent your career at a private company, retirement is fairly simple. You have a 401(k), maybe a company match, and one account statement that tells you where you stand. It isn't always easy, but it's straightforward. Public employees don't have such a simple plan. Your retirement may be built from a pension, a 403(b), a 457(b), sometimes a 401(a), and for many, Social Security. Each one has its own rules, timelines, and fine print. Federal employees have FERS and the TSP. State and local employees have systems that change from one state to the next, and they can be different within the same state depending on your employer. However, they generally have a lot of things in common.

That's why most public employees we talk to aren't sure what they actually have, let alone how the pieces fit together. That isn't your fault. These systems are complicated, and very few people ever sit down and explain them in plain English. That's what the videos on this page are for. We break down how public employee retirement systems work, plan by plan, so you can understand the benefits you've spent your career earning. We add new videos regularly, so if your state isn't here yet, it's probably on the way. (And let us know if you'd like to see yours, too!)

When you're ready to talk about your own situation, we're here for that too. Jim has spent many years working with federal, state, county, and city employees, and he knows the details that one-size-fits-all information misses. We can help public employees in every state except New York. Book a free call and tell us which system you're in. We'll help you see where a retirement protection plan can fit into the picture you already have, whether that's guaranteed income, long-term care coverage, or protection for your family.