Law Enforcement and First Responders

Your career carries risks most financial plans were never built for.

A career in law enforcement or as a first responder runs on a different clock than most careers - service-based pensions, early retirement eligibility, Deferred Retirement Option Plan (DROP) participation, irregular schedules, and elevated on-the-job risk all shape what your financial plan needs to do. Whether you are weighing a DROP decision, trying to understand how your pension multiplier and buyback options affect your timeline, or planning for a second career after 20 or 25 years of service, we can partner with you to build a plan around how your career actually works. We help law enforcement and first responder clients do this through:

DROP and Pension Maximization Planning

Social Security Fairness Act Planning

Line-of-Duty Disability and Survivor Benefit Planning

Financial Planning

Retirement Income Gap (Bridge) Planning

Portfolio Optimization

Pre-Medicare Health Insurance Bridge Planning

Long-Term Care Planning

Risk Planning and Mitigation

457(b) Maximization and Second-Career Planning

Roth Conversion Analysis and Planning

Tax Planning

Intentional planning for those who serve

You have built a career protecting others - but is your own financial future protected? Is your pension going to provide what you expect, and do you know how your DROP or buyback decisions will affect it? Have you planned for the income and health insurance gap before Medicare and Social Security begin? Are your beneficiary and survivor benefit designations up to date, given the realities of the job?

Our wealth advisors understand the pension systems, DROP programs, and disability provisions unique to public safety careers, and can help create and implement a plan you're confident in. Strategizing and planning in partnership with you is the essence of The Mile Marker FORMula™. We focus on what matters most to you and help guide your financial future through adaptable financial planning and a long-term relationship.

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Frequently Asked Questions

For law enforcement and first responder clients, SRG Financial Advisors offers DROP and pension maximization planning, financial planning, pre-Medicare health insurance bridge planning, 457(b) maximization and second-career planning, Social Security Fairness Act planning, retirement income gap (bridge) planning, long-term care planning, Roth conversion analysis and planning, line-of-duty disability and survivor benefit planning, portfolio optimization, risk planning and mitigation, and tax-efficient planning.
Yes. DROP and pension maximization planning is one of the services SRG Financial Advisors offers to law enforcement and first responder clients weighing DROP participation and pension buyback options.
Yes. Line-of-duty disability and survivor benefit planning is one of the services SRG Financial Advisors offers to law enforcement and first responder clients.
Yes. Retirement income gap, or bridge, planning is one of the services SRG Financial Advisors offers to help law enforcement and first responder clients cover the period between early retirement and when other income sources start.
Yes. Pre-Medicare health insurance bridge planning is one of the services SRG Financial Advisors offers to law enforcement and first responder clients who retire before Medicare eligibility.
Yes. 457(b) maximization and second-career planning are among the services SRG Financial Advisors offers to law enforcement and first responder clients planning for a second career after 20 or 25 years of service.
Yes. Roth conversion analysis and planning is one of the services SRG Financial Advisors offers to law enforcement and first responder clients.
SRG Financial Advisors notes that law enforcement and first responder careers run on a different clock than most careers — service-based pensions, early retirement eligibility, DROP participation, irregular schedules, and elevated on-the-job risk all shape the financial plan.
Yes. SRG Financial Advisors' wealth advisors say they understand the pension systems, DROP programs, and disability provisions unique to public safety careers, and use that knowledge to build a confident, adaptable plan through The Mile Marker FORMula™.
Yes. Long-term care planning is one of the services SRG Financial Advisors offers to law enforcement and first responder clients.
Yes. Tax-efficient planning is one of the core services SRG Financial Advisors offers to law enforcement and first responder clients, alongside pension and Roth conversion planning.