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Know Your Plans,
Know Your Journey
Why is a Pension Review so Important?
While the state pension programs in every state are a great foundation for your retirement, none of them replace your income fully. Considering inflation will lower your spending power by the year to compound the expected monthly deficit, many individuals choose to take out a provided or private pension supplement. Your options within the system are listed below.
Educators and public-sector employees, like first responders, have different pension plans from state to state. Federal employees subscribe to only one plan. AGERA's complete understanding of multiple state pension schemes makes us uniquely suited to provide an accurate "Employee Benefits Analysis" which will analyze your pension and supplemental retirement contribution plan, so that your month-to-month guaranteed income expectation is met with planning time to spare, together with scheduled tracking to assure your desired retirement outcome.
Public Employee Pensions
A state pension is the foundation of your retirement package and understanding precisely what to expect from it so that you may plan your supplemental income tools accordingly.
Tax Deferred Annuities
Read about the TSP, 401(k) & 403(b) and how taxes and income distributions are handled and planned for to provide a roadmap for savings and expected income.
Limited Tax-Free Plans
The ROTH IRA is designed to provide tax-free earnings to be used in retirement only with certain government limitations.
Unlimited Tax-Free Plans
The TARP plans (Tax Advantaged Retirement Plans) are designed to provide tax-free earnings before or after retirement with no goverment limitations.