Insights & Resources
Plain-English guidance on the benefits, pensions, and tax rules specific to your community — VCF & USVSST awards, FDNY/NYPD pensions, military TSP, nurse 403(b)s, and the 2026 changes that affect you.
The Behavioral Investor
Isaac Newton lost a fortune in 1720, and it wasn't a brains problem. Why temperament, not IQ, is the real investing edge.
Read the article →Who We Serve
Your 9/11 VCF award is 100% federal income tax-free under IRC §139. Here
Read the article →Your 9/11 VCF award is tax-free, but the investment income isn
Read the article →Intelligence update on the $6B frozen Iranian assets in Qatar. Legislative efforts are active to seize these for USVSST claimants. What 9/11 families and veterans need to know about the 2026 recovery outlook.
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Your FDNY 457(b) has no early withdrawal penalty — retire at 38 and access your money immediately. Here
Read the article →FDNY EMS workers retire with significantly less than firefighters. Here
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NYPD Tier 2, 3, and 6 pension comparison for 2026. Learn how your tier affects retirement income, what the 20-year vs 25-year decision really costs, and why most officers leave money on the table.
Read the article →A deep-dive comparison of NYPD Tier 2 vs Tier 3 pension formulas, FAS calculations, VSF supplements, and retirement planning strategies for 2026. Know your real number.
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Should you keep your TSP or roll it to an IRA? Here
Read the article →Veterans with VA disability can combine tax-free disability income with strategic TSP withdrawals to minimize taxes in retirement. Here
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120 qualifying payments. One wrong employer and you start over. Here
Read the article →Most hospital 403(b) plans charge hidden fees that erode nurse retirement savings. Learn how to audit your plan, maximize employer matching, and build a retirement strategy that actually works in 2026.
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SECURE 2.0 created retirement provisions specifically for first responders. Penalty-free withdrawals at 50, student loan matching, emergency savings — here are the 5 rules that matter most.
Read the article →For Everyone
The One Big Beautiful Bill Act changed everything — SALT cap to $40K, estate exemption to $15M, TCJA rates permanent. Here are the 30+ changes that affect your financial plan right now.
Read the article →The One Big Beautiful Bill Act changes the retirement math for NY state and city workers. Here
Read the article →The 1960 golden handshake is dead. Compare the 1960 military/civil service pension with the 2026 Blended Retirement System and learn how to close the generational wealth gap.
Read the article →The OBBBA 2025 tax law introduces a 0.5% AGI floor and a 35% deduction cap for high earners. Learn why Donor-Advised Funds (DAFs) are the superior choice for capital gains avoidance in 2026.
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