Retirement Financial Planning for NY State Employees
Comprehensive Retirement Planning Solutions for New York State Employees
Simplifying Your NYSLRS Retirement Journey
Retiring as a NY State employee shouldn’t be a puzzle. We understand the unique financial maze you face, from complex pension systems and insurance to healthcare planning. Our dedicated guidance simplifies your path to a secure retirement.
Here’s how we can help:
Our fiduciary-driven advisors provide a detailed analysis of your pension benefits so you fully understand your options regarding retirement timing and benefit elections.
Investment Management
We assist with managing deferred compensation plans, ensuring that investment choices and distribution options align with your risk tolerance and retirement goals.
Healthcare & Insurance Planning
Our advisors can help estimate healthcare costs in retirement and develop strategies to cover these expenses, including the transition to Medicare and supplemental insurance options.
Social Security Optimization
By analyzing your overall financial situation, we can recommend the best time to claim Social Security benefits to maximize lifetime income.
Comprehensive Financial Planning
The Nicotera team creates holistic financial plans that include budgeting, debt management, saving strategies, and distribution options to ensure a worry-free retirement.
Legal & Estate Planning Coordination
While our financial advisors are not lawyers, we work with legal professionals to ensure all necessary legal documents are in place and that your estate plan aligns with your financial goals.
Our Easy Four-Step Process Toward Your Financial Security
Introduction & Discovery – Where Your Dreams Meet Our Expertise
Our first step together is a no-pressure, no-obligation introduction call where we get to know each other, assess your complete financial situation, determine your financial goals and unique circumstances, and outline the path forward together.
Education & Financial Planning – Your Blueprint for Success
In this step, we explain and de-mystify the role of a fiduciary-driven financial advisor and how that greatly benefits you. Our financial advisors share an overview of our tailored investment management strategies, laying the groundwork for a collaborative, transparent, and expertly charted financial planning journey.
Implementation – Where Strategy Meets Action
In this crucial step, we put your personalized financial and retirement plan into action, taking into consideration every aspect of your financial health, including your income, expenses, liquid, and retirement assets along with your lifestyle goals, to ensure each decision aligns with your long-term objectives, setting the stage for lasting financial security.
Ongoing Attention – Your Success is Our Constant Focus
Our advisors continuously monitor your assets and portfolio as we provide ongoing tailored investment advice on topics like asset allocation, cash flow, income tax planning and tax preparation, retirement strategies, college planning, insurance strategies, and estate planning. Using advanced data models, we map your financial future, account for economic shifts, adjust for inflation, and continue to evaluate your plan to ensure you remain on course to achieve your goals and secure a worry-free retirement.
Getting Ready to Retire?
The Top 20 Questions You Need To Ask and Answer Before Retiring
Are you ready to retire but anxious about the what-ifs and unknowns? Not sure where to start? Download our free guide, “The Top 20 Questions You Need To Ask and Answer Before Retiring,” and gain insights and knowledge to help you with one of life’s most important decisions.
