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We're Here To Help New York State Pension Holders Understand Pension Maximization. Learn More About Our Mission.
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We are committed to helping New York State pension holders get informed about their pension options and strategies for maximizing their pension while also protecting their loved ones. Our mission is to bring the most up to date information on NYS pensions to you and present it in a clear and digestible way. NYS, nor any other government or state entities that provide pensions, can give advice on which pension option is best for you. They are not licensed or authorized to give advice. They simply share the facts of your particular plan. Without proper context, these facts do not always lead to the best outcome for employees with guaranteed pension plans.

We believe that you, the pensioner, or a loved one who supports a pensioner, are your own best advocates. Choosing your pension option is one of the biggest financial decisions you will ever make, and after 30 days with the NYS pension, it is irreversible. There is a select group of financial professionals who deeply understand pensions, the various options, and have a process for helping a pre-retiree choose the best one for their particular situation. We are committed to continuing to grow awareness and the level of education among the public and the professionals who serve those with guaranteed pensions.
Don't Settle For Reducing Your Pension To Protect Your Loved Ones
When it’s time to make a pension payout decision, many people unknowingly choose an option that could cost them and their family hundreds, of thousands, of dollars in the long term. We can connect you with local pension advisors to help you choose an option you won’t regret.
Your pension will likely be the financial engine for your retirement. Has there ever been a better financial tool? A pension can be the golden goose that keeps on laying golden eggs, for the rest of your life. Let’s stick with this fictitious analogy for a minute. If you had a golden goose that laid golden eggs wouldn’t you want to protect it? Wouldn’t you want to make sure you cared for it and maximized its potential for the size of the eggs laid? Wouldn’t you want to make sure that your spouse, children, and/or other loved ones benefited from this magical golden goose? 

 Although fictitious, you should ask yourself these same questions about your NYS pension. Your pension can send you monthly checks for the rest of your life. Would it be worth your time to make sure you maximize it?

You will be faced with a very important decision as you put in your final paperwork for your retirement. You will need to decide to either take my full pension which will go away if I die? Or will I take a significant reduction in my monthly payment to protect a loved one, typically a spouse? Not protecting your loved ones is likely not an option. Fortunately, whether you will protect or not protect is not the difficult question. The difficult question is how you will protect them. We say difficult, not because it will be a hard choice, but simply because it takes some time to get educated. 

 This website is designed to give you significant information about your pension options and ways to protect it through your employer and through private options. NYSTRS says it directly on their website, your private options for protecting your loved ones may be more advantageous than the public options. In our experience, the choice you make will have implications to the tune of hundreds of thousands of dollars. The question is whose pocket will that money reside in? Yours, or your employers pension plan?

What if you could retain an extra 10-15% of your pension each year on your personal balance sheet? Would that allow you to enjoy your retirement even more? What if you could leverage dollars that otherwise would have gone back to NYS or your private pension plan to help provide for a long-term care or critical illness in the future, would that give you further peace of mind? What if you could enjoy your maximum pension and when you and your spouse are gone, you could pass on a tax free death benefit to your children or grandchildren, would that be a nice legacy to leave? 

 These are just some of the benefits of a pension max strategy. We are not here to say that the pension max is better or worse than taking one of your pension reductions. We are simply saying that getting educated can make a world of difference in your life and the lives of the ones you love.


We Will Help You Every Step Of The Way. Schedule An Appointment Today

Pension Max can connect you with a local advisor that is skilled in helping employees who participate in the NYS Retirement System.



Pension Max does not provide tax, legal or financial advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or financial advice. You should consult your own tax, legal and financial advisors before engaging in any transaction.
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