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Twenty years in, and nobody has written any of it down.
Your Full Retirement Plan does.

A printed document covering the four decisions you cannot take back once your papers are in. Every figure is sourced and every assumption is listed, including the ones it had to make for you.

  1. Whether you can actually afford to go at 20
  2. What happens to your family if you die
  3. Whether the 457(b) rollover is about to cost you
  4. Whether you will have to work again anyway

Already built your Snapshot on the FDNY page? Bring it across and most of this is already filled in. It is yours to print whether or not you ever speak to us.

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Your answer so far

Your Full Retirement Plan prepared in your browser · 10 sections
  1. Terms of this document
  2. Understanding your circumstances
  3. Identifying and selecting goals
  4. Analysing your current course
  5. Alternative courses of action
  6. What the arithmetic shows
  7. Implementing
  8. Monitoring and updating
  9. Information still required
  10. Assumptions, estimates and sources

The order is the CFP Board's seven-step process, which is also the order a licensed adviser is held to. Sections 4 and 5 — your current course, and the alternatives — are the two most plans skip.

In your words

Where every number here comes from · Disclosures

About your pension figure. This page does not recalculate your fire pension. It uses the figure your Snapshot produced from the Fund's own documents, and it applies the rise your tier actually gets. Tier 3 escalation follows RSSL 510: for FDNY, full at 23 years of service since Chapter 58 of 2026, reduced by 1/36 for each month earlier, and none at all three years or more before the 23-year date. So collecting at exactly twenty carries flat, which is exactly right. Tier 1 and 2 get the NYC pension COLA on the first $18,000 only; that cannot be written as one rate, so those pensions are carried flat and this page understates them slightly. EMTs and paramedics are in NYCERS, not the Fire fund — the Snapshot declines to estimate them rather than guessing, and so does this page.

Everything here is worked out on your own device. There is no account, nothing is sent to us, and we never see what you enter. Your answers live in this tab and nowhere else — not in a link, not saved to this browser — so closing the tab clears them, and nobody else can pull them back either. Print the plan before you close it if you want to keep it.