Risk Management

Should I Stop Investing When the Market Is Down? 3 Reasons to Keep Going

Should you stop investing when the market is down? Learn why pausing retirement contributions backfires, with simple dollar cost averaging examples.

TRS 2 to TRS 3: 4 Reasons You Shouldn’t Switch Plans

Thinking of switching from TRS 2 to TRS 3? See what you give up: half your pension, plus new risk, fees, and taxes, with real…

TAP annuity explained for WA Plan 3 members

TAP Annuity Explained: 7 Things WA Plan 3 Members Should Know

The TAP annuity turns Plan 3 money into lifetime income with a guaranteed 3% COLA. Learn who can buy it, survivor options, pros, cons, and…

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.

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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Risk Management

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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