Toria’s work with first responders extends through Capital Edge Insurance & Financial Services, where she provides financial education to public safety departments throughout Colorado. That work brings firsthand familiarity with many of the retirement systems, benefits, and financial decisions that come with a career in public service.
Your pension can be one of the most significant pieces of your retirement, but understanding how it fits with everything else matters too. We look at your pension benefits, outside retirement accounts, and other resources together when evaluating when you can retire and what retirement could look like.
This may include: FPPA and PERA benefits where applicable, 457 plans, DROP where applicable, pension elections, retirement timing, and coordinating income in retirement.
Overtime, specialty pay, and other variable income can make a first responder's cash flow look different from month to month. We look at what you're earning, where your money is going, and how additional income can be used intentionally without building a lifestyle that depends on overtime.
This may include: cash reserves, debt repayment, savings, overtime and variable income, major purchases, and balancing current priorities with longer-term goals.
Your department benefits can provide an important foundation, but it's important to understand what they actually cover and where gaps may exist. We start with the benefits already available to you before determining whether additional protection should be considered.
This may include: survivor benefits, life insurance, disability income protection, existing department benefits, and identifying potential gaps in coverage.
A pension may provide a significant portion of your future retirement income, but assets outside of your pension can provide additional flexibility along the way. We look at how those accounts fit alongside your pension and the rest of your financial plan.
This may include: 457 plans, IRAs and Roth IRAs, taxable investment accounts, rollovers, investment management, and coordinating investment assets with other retirement income.
If you’d like to talk through where you are today and what you’re looking for, start with a brief introductory call.