The Firefighter “Gap Years”: Using Ages 50–62 for Tax‑Smart Roth Conversions
Retiring from the fire service often means hanging up your gear in your early fifties, well before most people start claiming Social Security. You might step out of the station at 52 with a decent pension, but realize you have a long road ahead before other income sources kick in. These are your gap years. […]
Your Firefighter Retirement Income Playbook: How Guardrails, Cash Buckets, and QLACs Work Together
Nearly 2 in 3 Americans say running out of money in retirement scares them more than even dying¹. Spending your later years in poverty, without the means to maintain even the basics of daily life or provide for yourself, should be a fear powerful enough to stop anyone in their tracks. For firefighters who often […]