First responders

You've given more to this work than most people will ever understand - nights, weekends, and the kind of calls that stay with you. Whether you're with a department in Coon Rapids, Blaine, Minneapolis, St. Paul, or anywhere across the Twin Cities metro, you've built a PERA Police and Fire pension and retirement benefits that reflect the career you've dedicated to this community.

The challenge is that retiring early - which many Minnesota first responders do - brings a set of financial questions that most advisors simply aren't equipped to answer. How do you bridge a decade of healthcare costs before Medicare? How does your 457(b) deferred compensation work as a penalty-free income source? When does Social Security make sense to claim?

We work specifically with Minnesota police officers and firefighters throughout the Twin Cities metro - and we help you build a retirement plan that's as solid as the career behind it.

the clarity method for you

Clarify Your Vision, Goals, and Priorities

C

Clarify Your Vision, Goals, and Priorities

Define what life after service looks like (and when you want it)

Legacy, Estate, and Beneficiary Planning

L

Legacy, Estate, and Beneficiary Planning

Ensure your family is protected no matter what

Aggregate Everything In One Place

A

Aggregate Everything In One Place

Organize your pension, benefits, and accounts

Risk Management & Protection

R

Risk Management & Protection

Plan for risks like early retirement or injury

Income Strategy & Investment Alignment

I

Income Strategy & Investment Alignment

Build an income strategy that replaces your paycheck

Tax-Smart Strategies

T

Tax-Smart Strategies

Reduce unnecessary taxes as you transition

Year-Round Reviews, Adjustments, and Accountability

Y

Year-Round Reviews, Adjustments, and Accountability

Adjust your plan as your career and life evolve

Common Questions We Hear From First Responders

Often yes — but it depends on how your income and savings are structured. We help you map that out.
We plan for that possibility so you’re not forced into difficult decisions later.
We combine your pension, savings, and other income into a clear plan that covers your needs.