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Police and firefighters

10 moments for police officers and firefighters.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Graduating the academy

    “Graduated the academy? Your pension clock just started. Know the rules on day one.”
    Ringtone
    The academy graduation
    What's at stake
    Pension tiers, 457(b) plans and overtime habits start early.
  2. Overtime-heavy years

    “Overtime doubled your pay this year. Spend it on your future, not a new truck.”
    Ringtone
    A record overtime paycheck
    What's at stake
    Overtime is unreliable income; it can also affect pension calculations.
  3. Injury on the job

    “Hurt on the job? Disability retirement rules are different from a normal pension.”
    Ringtone
    The injury report
    What's at stake
    Disability pensions, workers' comp and taxes need understanding.
  4. Promotion to sergeant or captain

    “Promoted? Your pension may be based on your final years of pay. This raise matters for life.”
    Ringtone
    The promotion list
    What's at stake
    Final average salary formulas reward late-career pay.
  5. DROP decision

    “Entering DROP? Your pension stops growing and an account builds up. Know the deadline.”
    Ringtone
    The DROP election
    What's at stake
    DROP terms are binding and affect retirement timing.
  6. Retiring at 50

    “Retiring at 50 with a pension? You may have 40 years ahead. Plan the next career.”
    Ringtone
    Twenty-five years of service
    What's at stake
    Early retirement needs health coverage and a second income plan.
  7. Second career after service

    “Starting a second career after retirement? Your pension changes how much you need to earn.”
    Ringtone
    A job offer after retirement
    What's at stake
    Taxes, benefits and Social Security change.
  8. Health insurance gap to 65

    “Retired at 52? Health insurance until 65 is a big cost unless your pension covers it.”
    Ringtone
    The retiree health enrollment
    What's at stake
    Coverage gaps before Medicare are expensive.
  9. Line of duty risk

    “Your family needs a plan for the worst day. Survivor benefits and life insurance are part of it.”
    Ringtone
    A colleague's funeral
    What's at stake
    Survivor benefits, life insurance and estate documents.
  10. Spouse's career and shift work

    “Shift work and a spouse's career: plan childcare and money around your schedule.”
    Ringtone
    A new shift rotation
    What's at stake
    Shift schedules affect childcare costs and family budgets.

Make a video about one See advisors for police officers and firefighters

General education, not financial advice. Check rules and figures against current law before you publish.