DROP programs, pension maximization, and hazard duty retirement strategies

Firefighter Retirement Planning

We Understand Your Career

Firefighting isn't just a job—it's a calling. The 24-hour shifts, the physical demands, the unpredictability. We get it. Our team includes former Phoenix Fire Department members who've lived the same career you have.

That firsthand experience means we understand the unique financial challenges firefighters face: irregular income from overtime and Kelly days, the physical toll that might force early retirement, and the complex decisions around DROP programs and pension maximization.

Key Planning Areas

PSPRS pension optimization
DROP vs. standard retirement analysis
Overtime and Kelly day income planning
Disability and presumptive illness protection
Healthcare transitions to Medicare
Second career income strategies
Survivor benefits for family protection
Tax-efficient withdrawal strategies

DROP Decision Made Simple

Standard Retirement

  • Immediate monthly pension payments
  • Annual COLA adjustments
  • Stop working immediately
  • Simpler planning

DROP Program

  • Continue working + earning
  • Accumulate lump sum (up to 5 years)
  • Monthly pension frozen at entry
  • More complex tax planning needed

The right choice depends on your health, financial goals, and retirement timeline.

Common Questions from Firefighters

When should I enter DROP?

It depends on your health, financial needs, and how long you want to keep working. We run comprehensive analysis comparing standard retirement vs. DROP at different entry points to find your optimal timing.

How do I plan for irregular overtime income?

We help you create a baseline budget using your base salary, then strategically allocate overtime for accelerated savings, extra mortgage payments, or other goals.

What if I can't make it to full retirement due to injury?

We build disability protection into your plan, including workers' comp coordination, disability insurance, and presumptive illness coverage for cancer and heart disease.

How do I make sure my family is protected?

We optimize your PSPRS survivor benefits, review life insurance needs, and create estate plans that ensure your family is financially secure no matter what happens.

Ready to Plan Your Retirement?

Schedule a complimentary consultation to review your pension, DROP options, and retirement timeline.

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