The combination of pension benefits, DROP funds, 457/401K balances, Age 50/25-Year exception rules, 72(t) SEPP strategies, and other investments accounts like brokerage accounts and HSAs create multiple levers for designing early retirement income without unnecessary tax penalties.  

The latest and greatest on the repeal of the Windfall Elimination Provision!

Here’s a perfect example of how TIME IN THE MARKET > TIMING THE MARKET using the salary figures of an Indianapolis firefighter.

The Deferred Retirement Option Plan is an optional benefit that allows you to work and earn a salary while accumulating a retirement benefit payable in a lump sum.