Police Retirement Income works with police officers outside New Jersey and Florida by phone and Zoom. Each analysis is built on the officer's own pension system rules, together with Social Security, deferred comp, health coverage, and family needs. Face to face meetings are available in New Jersey and Florida. Officers start with a two-minute readiness check at https://policeretirementincome.com/readiness-check.

For police officers in every other state

Retirement Planning for Police Officers Outside New Jersey and Florida

Your pension has its own rules. Your retirement deserves a plan built on them.

Take the two-minute readiness check

The short answer

We work with police officers outside New Jersey and Florida by phone and Zoom. Your analysis is built on your own pension system’s rules, together with your Social Security, deferred comp, and what your family needs.

The decisions every officer faces, in every state

Your payout option

Most police pensions ask you to choose how much, if anything, continues to your spouse. That choice is usually made once.

Your life insurance

Coverage through work often changes or ends when you retire. Know what you will have before your last day.

Your deferred comp

The money you saved has to work alongside your pension and Social Security for the rest of your life.

Health insurance before Medicare

If you retire in your fifties, you may have a decade or more to cover on your own.

How it works outside New Jersey and Florida

1

Take the readiness check

About two minutes. Choose “Another state” and answer a few questions about your situation.

2

A 20-minute call

By phone or Zoom, within 24 hours of your request.

3

Your analysis, on Zoom

Your pension, Social Security, and deferred comp in one written analysis, walked through on a video call. See a sample analysis

Frequently asked questions

Do you meet in person outside New Jersey and Florida?

Face to face meetings are available in New Jersey and Florida. Officers in other states work with us by phone and Zoom from start to finish.

Will my analysis use my own state’s pension rules?

Yes. Every police pension system has its own formula, payout options, and survivor rules, and your analysis is built on yours.

Are you part of my pension system?

No. We are independent of every pension system. For an official estimate of your benefits, contact your pension system directly.

What does it cost?

The readiness check, the introductory call, and the comprehensive retirement income analysis are no cost to you.

Serving in New Jersey or Florida? Go to New Jersey PFRS or Florida FRS Special Risk, or read how we work.

Your pension decision is permanent. Two minutes is not.

Take the readiness check, then a 20-minute call about your own numbers.

Take the readiness check

Police Retirement Income

Independent retirement income planning for New Jersey and Florida police officers.

Police Retirement Income is an independent retirement planning service. We are not affiliated with, endorsed by, or acting on behalf of any pension system, including the New Jersey Division of Pensions and Benefits and the Florida Retirement System. For an official estimate of your benefits, contact your pension system directly.

We do not charge a fee for our planning. If you choose to purchase an insurance or annuity product, we are paid a commission by the insurance company. Examples on this site are hypothetical and for illustration only.

Figures come from the official New Jersey and Florida pension systems and are reviewed regularly.

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