Who we serve
Defense and tech industry careers often carry benefits that have become rare at other employers. A pension you elect once. Accounts picked up through decades of mergers. A savings plan that may let you set aside far more than the usual limit. What you have depends on your employer and your hire date, so that is where the work starts.
What this complicates
Pension income covers part of what you need every month, for life. So your portfolio has a smaller job to do. Households with a pension often need far less invested than households without one. They can usually afford more growth in the later segments too.
A common finding after a long career is an old account nobody has looked at in years. Finding it is simple work, but it has to happen before you elect anything.
The form your pension takes. Whether you elect a survivor option. When you claim Social Security. Three decisions, usually made separately by three different people, that add up to one number. Two of them cannot be undone.
Why us
Colorado Springs is home to a large number of defense and tech employers, and a good share of our clients come from them. We have these conversations every week.
If you are nearby, you can come in and sit down with us. If you are not, we meet by phone or video call. Either way, when something changes, you reach someone who knows you.
Questions
It depends on four things: how much lifetime income you already have, whether your spouse needs income after you, your health, and whether you want to leave the money behind. We model both against your real spending. Answering it in the abstract is guesswork.
Your employer, hire date, and service history decide it, and the plan administrator can confirm. Ask for your full benefit statement, including any frozen or legacy accruals. It is the first thing we ask for, because everything else depends on it.
It means putting after-tax money into your workplace plan, past the normal limit, then converting it to Roth inside the plan. Where a plan allows it, that can move a lot into tax-free growth each year. Not every plan does. Confirm yours before counting on it.
Related
Pension income for life is rare now, and it changes what your portfolio has to do. It also comes with elections you make only once.
This is the window where the decisions are still reversible and the numbers are finally real.
You did not set out to hold this much of one company. It accumulated — and now selling has a cost, so it keeps growing.
Thirty minutes to see where your income will come from. If we are not the right fit, we will tell you.
