DROP account strategy. Pension optimization. Disability income planning. Deferred compensation. Fiduciary financial planning built for the way first responders actually retire.
Your career was built around service. Your financial plan should be built around your specific pension tier, DROP eligibility, disability status, and retirement timeline. We know NYCERS Tier 2/3, PFRS, and NYC 457 deferred compensation plans inside and out.
Timing, lump-sum analysis, rollover options, and investment strategy for your Deferred Retirement Option Plan accumulation.
Model your full NYCERS or PFRS benefit — including COLA, survivor options, and integration with Social Security.
Line-of-duty and non-line-of-duty disability coordination — including tax characterization under IRC 104(a)(1) and interaction with SSDI.
NYC 457 contribution strategy, investment selection, and distribution planning coordinated with your pension and DROP proceeds.
Beneficiary designations, pension survivor options, and generational wealth strategy for first responder families.
No commissions on annuities, insurance, or any product. We are paid only by you — 100% aligned with your interests.
A first-responder specialist who understands NYCERS, PFRS, and the DROP decision — no conflicts, no products to sell.
Confidential. Not legal advice. Informational purposes only.
The Deferred Retirement Option Plan (DROP) allows eligible members to continue working while their pension accumulates in a separate account. DROP timing, rollover, and investment strategy decisions are among the most consequential a first responder will make — and require a fiduciary who understands NYCERS, PFRS, and NYC defined benefit structures.
Not automatically. The DROP rollover decision depends on your tax bracket, age, healthcare needs, and overall income plan. A fiduciary analysis of all options — including keeping funds in the pension system — is essential before any rollover. We model every scenario before making a recommendation.
Line of duty disability benefits are generally tax-free under IRC 104(a)(1), but pension amounts, COLA adjustments, and Social Security interaction vary by tier and bargaining unit. A first-responder-focused fiduciary can model your total income picture and coordinate with your legal and medical advisers.
The NYC 457(b) is a supplemental retirement savings plan available to NYC employees. Unlike 401(k)s, 457(b) plans have no 10% early withdrawal penalty — making them even more valuable for first responders who retire before age 59½. Contribution strategy and investment selection within this plan require careful coordination with your pension and DROP.
Union-referred advisers may not be fiduciaries — they may earn commissions on the products they recommend. A fee-only fiduciary like Sirmium Capital is legally required to act in your best interest, not in the interest of any product provider. Always ask if your adviser is a fiduciary, 100% of the time.
You've spent your career protecting others. Now let a fiduciary who actually understands your pension protect your retirement.
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