The FDNY Retirement Blueprint
The whole picture, start to finish: your pension, the 457(b), the 15-year bridge to Social Security, and the September 11, 2026 9/11/WTC filing deadline.
The Sirmium Podcast
Short, plain-English briefings on the pension, the 457(b), and the taxes that move the most money, organized by who you are. Pick your group below.
Tap your group above to jump straight to it, or scroll down to find your niche.
FDNY
For active and retired FDNY: the pension, the 457(b), the 15-year bridge to Social Security, and the September 11, 2026 9/11/WTC deadline.
The whole picture, start to finish: your pension, the 457(b), the 15-year bridge to Social Security, and the September 11, 2026 9/11/WTC filing deadline.
The Roth conversion window: filling the low-tax years between your last paycheck and your first RMD, without tripping the cliffs.
Why the 457(b) at separation gives you penalty-free access at any age, and what you give up by rolling everything to an IRA.
NYPD
For active and retired NYPD: Tier 2 vs 3, the Death Gamble, the VSF, the 457(b), and the September 11, 2026 9/11/WTC deadline.
Your hire date sets your tier and the whole formula: for Tier 3, a flat 50% at 20 years under Chapter 55 of the Laws of 2025, and the Tier 3 Social Security offset at 62.
Pension, the Variable Supplements Fund, the 457(b), and Social Security timing: building the years before Social Security on a plan, not a guess.
The WTC Accidental Disability swing and the September 11, 2026 Notice of Participation deadline that governs it. Eligibility is medical and procedural; the date is not.
Veterans
For veterans and military families: the TSP rollover-vs-stay decision, the FERS sick-leave trap, VA disability, and the SBP election.
The timing and sequence traps in federal retirement: the FERS sick-leave credit, the TSP Roth window, VA disability, your real four-part paycheck, and the SBP election.
Stay-in-TSP vs roll-to-IRA, the 2026 Roth catch-up rules, and filling the low-tax years before RMDs.
Why VA disability is tax-free, and how to stack it with TSP withdrawals to lower your lifetime tax bill.
Asset-protection and FAFSA positioning for military families, keeping more of what you built.
9/11 Families
For 9/11 families and the VCF community: how an award is built, what is taxable and what is not, and the steps that protect it.
Plain-English walkthroughs of the VCF and USVSST award (how it is built, what is taxable and what is not, and the steps that protect it) are being produced. Get the first one the day it drops.
Learn more about how we help 9/11 familiesNurses & EMTs
For nurses and EMTs: the 403(b)-plus-457(b) double deferral, travel-nurse taxes, and Public Service Loan Forgiveness.
Plain-English walkthroughs for the 403(b)/457(b) and PSLF are being produced. Get the first one the day it drops.
Learn more about how we help nurses and EMTsNPs & PAs
For nurse practitioners and physician assistants: PSLF traps, 1099 and locum setup, and own-occupation disability.
Walkthroughs for PSLF, 1099 setup, and disability are being produced. Get the first one the day it drops.
Learn more about how we help NPs and PAsPhysicians
For physicians: the backdoor and mega-backdoor Roth, the PSLF-vs-refinance fork, and asset protection.
Walkthroughs for the backdoor Roth, the PSLF fork, and asset protection are being produced. Get the first one the day it drops.
Learn more about how we help physiciansFirm & Markets
General planning and market briefings that apply across every group, one idea at a time, in plain English.
Firm-wide planning and market briefings are being produced. Get the first one the day it drops.
The Sirmium Podcast is produced for general education only and is not investment, tax, or legal advice, and is not a personal recommendation. Sirmium Capital LLC is a New York State-registered investment adviser; registration does not imply a certain level of skill or training. Eslyn Hernandez is Vice President, Head of Marketing. Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal.