Understand your retirement before you get there.
We provide retirement planning support designed around the realities of fire service careers. Work with advisors who understand how pension benefits, savings and career timing intersect and what your choices may mean for long-term income.
What retirement planning looks like.
Retirement planning is a conversation, not a checklist. We help firefighters understand how their income sources, savings and benefits work together so decisions are made with the full picture in mind.
What retirement planning often covers.
Planning conversations typically focus on evaluating retirement readiness, exploring different income scenarios and understanding how timing decisions may affect future outcomes. Advisors help members think through how pension benefits, personal savings and other accounts align with lifestyle goals and ongoing financial responsibilities.
How pension and savings work together.
Firefighters often have multiple income sources heading into retirement. Advisors help members understand how pension benefits, personal savings and other accounts may combine during retirement and where gaps or opportunities might exist.
Exploring different retirement scenarios.
Retirement looks different for everyone. Advisors work with members to explore how different timing decisions, income levels and expenses may play out so members can weigh tradeoffs and identify the path that fits their goals.
Using financial planning tools.
As part of the planning process, advisors may use financial planning tools to help members visualize different scenarios and confidence ranges. These tools model retirement income, expenses and timing options to support better informed conversations, not replace them.
Calculate. Plan.
Retire on your terms.
Use our retirement calculator to estimate how much you’ll need and how to get there, built for firefighters who’ve spent a career planning for others.
Everything you need to know about retirement planning.
When should firefighters start thinking about retirement planning?
Many firefighters begin thinking about retirement planning well before retirement. Planning conversations can be helpful at different stages depending on career timeline and priorities.
Does retirement planning only focus on investment accounts?
No. Retirement planning looks at how different resources may work together, including pensions, savings and personal goals.
Is retirement planning different from financial planning?
Retirement planning focuses specifically on income and readiness for retirement, while financial planning often covers a wider range of life and career considerations.
Can retirement planning help with major decisions like DROP participation?
Yes. Retirement planning conversations often include evaluating how DROP program participation may affect long term income and retirement timing.
Investment and insurance products and services are not insured by NCUA or any government agency, are not obligations of Firefighters First Credit Union, are not guaranteed by the Credit Union and may involve investment risk, including possible loss of principal. Advisory services are offered through registered investment professionals. Additional disclosures apply and will be provided as part of the advisory relationship.