Risk Management

SEBB Long-Term Disability Insurance: What Washington School Employees Should Know

How SEBB long-term disability insurance works for WA school employees: benefit amounts, how long coverage lasts, what it costs, and how to opt out.

True long-term care rider vs accelerated death benefit

True LTC Rider vs. Accelerated Death Benefit: What’s the Real Difference?

True long-term care riders and accelerated death benefits sound similar but work very differently. Here’s how to tell them apart before you buy.

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…

How Traditional Long-Term Care Insurance Works (And What to Watch For)

Traditional long-term care insurance works like home or car insurance: pay premiums, get benefits if you need care. How costs and the partnership program work.

Life insurance policy with long-term care rider

Life Insurance With a Long-Term Care Rider: How It Works, Pros and Cons

Learn how a life insurance policy with a long-term care rider works: the two rider types, real payout math, and whether this strategy fits your…

How a Long-Term Care Annuity Works: A Simple Guide With Real Numbers

See how a long-term care annuity turns one lump sum into guaranteed coverage, with real dollar examples for Washington retirees, no monthly premiums.

Asset-based long-term care insurance combining life insurance and LTC coverage

Asset-Based Long-Term Care Insurance: How It Works

Asset-based long-term care insurance blends life insurance with LTC coverage so your money is never wasted. Here’s how it works, with real examples.

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.

How to Qualify for Long-Term Care Benefits in Washington

Learn exactly how private long-term care insurance and Washington’s WA Cares Fund decide when benefits start, including the ADL test, elimination periods, and dementia rules.

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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Risk Management

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

Learn More

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