Financial Planning for New York's Bravest & Finest

Fiduciary Guidance for First Responders

Optimize your NYPD or FDNY pension, manage your 457(b), and build long-term wealth with an advisor who actually understands civil service benefits.

The Challenge

Generalist Advisors Don't Understand Your Pension

The New York City civil service retirement system is incredibly complex. Standard generic financial advice doesn't apply to you.

Tier 2 vs Tier 3 pension structures, variable supplements (VSF), drop accounts, 457(b) withdrawal rules, Public Service Loan Forgiveness (PSLF) for EMS and nurses — these are specific, highly technical benefit structures.

Sirmium Capital provides fiduciary guidance tailored specifically to the laws governing New York's first responders. We don't sell annuities or insurance products. We provide fee-only, objective advice to help you maximize the benefits you've earned.

First Responder Planning

NYPD & FDNY Pension Tier Optimization (Tier 2, 3)
457(b) and 401(k) consolidation and rollover strategies
Variable Supplement Fund (VSF) planning
PSLF coordination for nurses and EMS personnel
Early retirement income bridging (retiring before 59½)
Disability pension coordination

Our Approach

Tax-Efficient Wealth
Beyond the Pension

Pension Integration

Your pension forms the fixed-income baseline of your retirement. We build the rest of your investment portfolio around that guaranteed income stream.

457(b) Management

We provide long-term equity strategies for your deferred comp, avoiding high-fee annuity products often pushed to municipal workers.

Early Retirement Bridging

First responders often retire in their 40s or 50s. We structure your portfolio to provide tax-efficient income before Social Security kicks in.

Free Resources

Get the First Responder Pension Optimization Guide

A step-by-step PDF roadmap for maximizing NYPD/FDNY tier benefits and navigating your 457(b) rollover.

What's Inside:

Tax mitigation strategies specific to your community.
Common pitfalls that deplete capital prematurely.
Step-by-step instructions on securing your long-term independence.

FAQs

Common First Responder Questions

Not necessarily immediately. The NYC 457(b) has a unique advantage: you can withdraw funds penalty-free before age 59½ upon separation from service. If you roll it into an IRA, you generally lose that penalty-free access before 59½. We evaluate your early retirement income needs before recommending any rollover.

The VSF (commonly known as the "Christmas bonus") provides scheduled supplemental payments for eligible retirees. We factor these payments into your overall yearly cash flow models to adjust how much we need to draw from your investment portfolio in a given year.

No. We are a fee-only Registered Investment Adviser. We never sell proprietary products, insurance policies, or annuities for a commission. We sit on the same side of the table as you, providing objective advice for a transparent advisory fee.

Start the Process

Expertise for Those
Who Protect Us

Book a free discovery call. No obligations. Just an honest conversation about your pension, your deferred comp, and your long-term goals.

Book a Free Discovery Call