Key Planning Areas

What Is a Fiduciary Financial Advisor? The Unspoken Truth Behind the Term

Being a fiduciary sounds reassuring, but the term leaves room for bias. Here’s what it really means and how to spot it before trusting advice.

Washington school district Plan 2 and Plan 3 retirement guide

4 Things Washington School District Employees Need to Know About Their Retirement Plan

A plain-English guide for WA school district employees: Plan 2 vs. Plan 3, ways to save beyond your pension, a costly 403(b) mistake, and the…

Washington Plan 3 pension benefits TRS PERS SERS

Plan 3 Benefits in Washington State: What TRS 3, PERS 3, and SERS 3 Members Get

Plan 3 pairs a free 1% guaranteed pension with a forced savings account you control. Here’s how the two pieces work together for TRS 3,…

Washington Plan 2 pension drawbacks TRS PERS SERS

Plan 2 Drawbacks in Washington State: What TRS 2, PERS 2, and SERS 2 Members Should Know

Plan 2 offers a guaranteed pension, but no savings component, mandatory contributions, and no cash value if you pass away early. Here’s how to plan…

Washington Plan 2 pension benefits TRS SERS PERS

Plan 2 Benefits in Washington State: What TRS 2, SERS 2, and PERS 2 Members Get

Plan 2 gives you a guaranteed pension worth twice Plan 3’s formula, for half the contribution. Here’s what TRS 2, SERS 2, and PERS 2…

Washington school district retirement process TRS PERS SERS

School District Retirement Process in Washington: 7 Steps for TRS, PERS, and SERS

Retiring from a WA school district? These 7 steps cover your financial plan, benefit estimate, retirement dates, health care, Social Security, and savings.

What Investment Fees Really Cost You Over Time (And What You’re Paying For)

The three layers of investment fees, a worked example of what 1% costs over 15 years, and why the lowest fee isn’t automatically the best…

Using retirement savings to pay off debt in Washington state

Should You Use Retirement Savings to Pay Off Debt? The Real Cost

Cashing out a retirement account to kill debt sounds simple, but taxes, penalties, and lost growth can cost you 32-34% or more. Here’s the real…

WA DRS Plan 2 vs Plan 3 pension comparison for TRS SERS PERS

WA DRS Plan 2 vs Plan 3: Which Pension Pays More? (TRS, SERS, PERS)

A real numbers comparison of WA DRS Plan 2 vs Plan 3 for TRS, SERS, and PERS members, including a worked example and the savings…

Washington State employee retirement steps

How to Retire From Washington State: 6 Steps From State Employee to Retiree

A simple 6-step guide for Washington State employees: build your plan, file your pension, set up PEBB medical, and decide on Social Security before retiring.

Free Washington State Retirement Planning Community

Join our free community and gain exclusive access to expert financial insights & personalized tools tailored for Washington State employees. Whether you’re just starting out or nearing retirement, our community offers the resources you need to confidently plan your financial future. Connect with like-minded individuals, ask questions, and stay informed about the latest strategies to maximize your retirement benefits. Start your journey today and take control of your financial goals—it’s completely free!

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TRS 3 & DCP Investment Advice System

Washington teachers, if you’re feeling overwhelmed by your retirement investments, say goodbye to your anxiety with the TRS 3 Investment Advice System! The TRS 3 Investment Advice Service is a personalized resource that helps you manage your retirement investments with ease.

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Working with a Financial Advisor Who Specializes in TRS & PERS Benefits is Different

Retirement doesn’t have to be stressful for Washington state employees. Schedule a meeting with us to start planning today and experience the freedom and security of a well-planned retirement.

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Key Planning Areas

Free Washington State Retirement Planning Community

TRS 3 & DCP Investment Advice System

Working with a Financial Advisor Who Specializes in TRS & PERS Benefits is Different

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