PERS 3

How Plan 3 Works in Washington: TRS 3, PERS 3, and Your Two-Part Retirement Benefit

A plain-language breakdown of how Washington’s Plan 3 pension and investment account works for TRS 3, PERS 3, and SERS 3 members, with real numbers…

year-end tax tips for Washington State employees

5 Year-End Tax Moves Every Washington State Employee Should Know

Five year-end tax strategies for Washington State employees: HSA contributions, retirement account deadlines, LTC premium deductions, backdoor Roth IRAs, and Roth conversions.

Should You Collect Your WA Plan 3 Pension at Age 55?

Plan 3 lets you collect your pension at 55, but with a 20% cut. See the real break-even math for TRS, PERS, and SERS members.

3 Reasons You Shouldn’t Move Your Plan 3 Account Into an IRA

Thinking about rolling your WA Plan 3 (TRS, PERS, or SERS) into an IRA? See 3 reasons that move could cost you penalties, income, and…

TRS 3 PERS 3 early retirement at 60 vs 62

TRS 3 and PERS 3: Should You Retire at 60 or Wait Until 62?

TRS 3 and PERS 3 members face a real choice at 60 vs 62. See the 5% penalty, the indexing bonus, and the break-even math.

Washington state pension rules if you leave your job early

5 Things That Happen to Your PERS, TRS, or SERS Pension If You Leave State Employment Early

Thinking about leaving your Washington state job before retirement? Here’s what happens to your PERS, TRS, or SERS pension, plus 5 things to check first.

Target date funds in DCP, TRS 3, and PERS 3 retirement accounts

Target Date Funds in DCP, TRS 3, and PERS 3: Are They Right for You?

Target date funds in DCP, TRS 3, and PERS 3 accounts follow a generic formula. See how the mix works and when a custom approach…

Washington Plan 3 and DCP investing risk guide

Plan 3 and DCP Investing in Washington: 3 Warning Signs to Check in Your Fund

Washington PERS 3, TRS 3, and DCP accounts often default into risky funds. Learn about the TAP fund, target date fund risk, and how to…

WSIB TAP Fund Plan 3 retirement investment

2 Reasons to Get Out of the WSIB TAP Fund (TRS 3, PERS 3, SERS 3)

Most Plan 3 members default into the WSIB TAP Fund without choosing it. Here are the two big reasons to consider moving to self-directed instead.

DRS Target Date Fund Changes: 61% Fee Increase Explained for Plan 3 and DCP

Starting October 14, DRS is changing target date fund allocations for DCP and Plan 3 accounts, raising fees about 61% and adding more investment risk.

Your Washington Retirement Benefits, Explained

When can you retire? How much will your pension pay? What happens to your healthcare? Join our free community for Washington teachers, school staff, and public employees to explore easy-to-follow videos, ask questions, and better understand your retirement options.

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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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PERS 3

Your Washington Retirement Benefits, Explained

TRS 3 & DCP Investment Advice System

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

Learn More

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