Public Servants
Financial planning for those who serve our communities
Teachers. State employees. Local government workers. Police and first responders.
If you’ve spent your career in public service, your financial plan should reflect the unique benefits and decisions that come with it.
At RBT Wealth, we specialize in working with public servants across the Hudson Valley and New York State, including educators, state and municipal employees, and first responders. Many of our clients come to us within 10 years of retirement or shortly after retiring, looking for clarity around their pension, retirement accounts, and long-term tax strategy.
Your benefits are different from those in the private sector, and navigating them requires specialized planning. We understand the systems you’re in and how to help you make the most of them.
Why Public Servants Work With Us
Public employees often have strong benefits but complex choices. Many of our clients want help answering questions like:
- When can I retire, and will my pension be enough?
- Which pension option should I choose?
- How do my 403(b), 457, or other retirement accounts fit into my plan?
- How can I reduce taxes in retirement?
- How do I turn my savings into reliable income?
We help bring all of these moving parts together into one clear, coordinated plan.
Planning Around Your Benefits
Our work typically focuses on helping you:
- Make informed pension and retirement timing decisions
- Coordinate your pension, Social Security, and investments
- Create a tax-efficient retirement income strategy
- Invest in alignment with your retirement goals
- Ensure your estate and beneficiary plans are up to date
A Long-Term Relationship
Our goal is to build lasting relationships with the people who keep our communities running. We take a planning-first approach and act as your long-term financial partner not a product salesperson.
If you’re a public servant looking for clarity around retirement, taxes, and long-term planning, we’re here to help.