The demands on today’s firefighters is immense. The physical demands, lack of consistent sleep, and mental toughness requires commitment. Because of these demands, many in the Fire Service retire earlier than the general public. This means your retirement must start earlier and last longer than the average retirement.

In planning for retirement, you have some specific benefits given to you by the Pension Protection Act of 2006. This is a federal law that has been made permanent. If you plan properly, the PPA gives you some great ways to save on taxes. However, if you make the wrong choices, these advantages are no longer available. What about the Age 50 and Age 59 ½ IRS rules – Do you know how these can and will affect you?

There have been several important changes in the Florida Retirement System that have affected the Special Risk group over the last several years. Do you know how these changes have affected your particular situation?

I understand your unique retirement challenges. I support the FFCA (Florida Fire Chiefs Association), FPF (Florida Professional Firefighters), and many local organizations throughout the state of Florida.