More From Your Pension

Work with me:  https://farerfinancial.com/get-started You've probably heard it before — don't bother with a Roth conversion. And here's the thing: for some people, that advice is actually right. But most people who hear it just take it at face value. They never ask why. And when you don't understand why, one of two things happens — you skip conversions entirely and miss a real opportunity, or you...

Work with me:  https://farerfinancial.com/get-started You spent 25, maybe 30 years doing one of the hardest jobs in this country. And now you're waiting. Waiting for the right number, the right moment, the right permission slip that says it's okay to go. This episode is about three statistics that reframe that decision entirely. For most public employees watching this, the question isn't whether y...

Work with me:  https://farerfinancial.com/get-started If you have a pension and you're planning to retire before 65, there is a healthcare trap most pension holders are walking right into — and your pension is the exact thing that makes you more exposed to it than almost anyone else. A 63-year-old couple in West Virginia was paying $300 a month for their Gold health insurance plan. In 2026, that s...

Work with me:  https://farerfinancial.com/get-started If you have a pension and you've been watching retirement content online, you've probably heard two completely opposite things — do Roth conversions, or don't bother because you'll be in a lower bracket in retirement anyway. Here's the problem with both of those takes: neither one was built for you. The rules are completely different when you h...

Work with me:  https://farerfinancial.com/get-started Most public employees assume their pension means they're ahead of the game. And honestly, they probably are. But there are four statistics that almost nobody in their position has ever seen side by side — and once you see them together, the way you think about your retirement shifts completely. This episode isn't about whether you have a pensio...

Work with me:  https://farerfinancial.com/get-started If you have a pension and you're retiring before 65, you've probably heard two things that sound like they're in direct conflict: protect your ACA subsidy to keep healthcare costs low, and do Roth conversions now while taxes are on sale. For most pension holders, doing one seems to blow up the other — so they freeze, protect the subsidy, skip t...

Work with me:  https://farerfinancial.com/get-started Most people think claiming Social Security at 62 is the smart move — get your money early, don't leave it on the table. But if you're a public employee with a pension and a large pre-tax balance, claiming early could be one of the most expensive decisions you make in retirement. For pension holders, the Social Security timing decision isn't rea...

Work with me:  https://farerfinancial.com/get-started You've heard why Roth conversions matter for pension holders. This episode is about how to actually do one — the steps, the forms, the questions that trip people up, and the one field on the conversion form that can cost you real money if you answer it wrong. Most how-to videos on Roth conversions skip the part that matters most for public empl...

Work with me:  https://farerfinancial.com/get-started If you're single, have a pension, and have been a diligent saver — the retirement tax advice you've been hearing was probably not built for you. Most retirement content assumes married couples. The brackets, the examples, the strategies — all of it is drawn up with two incomes, two Social Security checks, and twice the room to maneuver. When yo...

Work with me: https://farerfinancial.com/get-started Healthcare before 65 is the number one reason public employees say they're afraid to retire early. This episode breaks down exactly what your options are — and what's different about your situation as a pension holder. Most retirement content on healthcare is built for private sector workers who can engineer their income to maximize ACA subsidie...

Work with me: https://farerfinancial.com/get-started Every Social Security video on YouTube was built for someone without a pension. This one isn't. If you're a teacher, firefighter, administrator, or any state or local government employee with a defined benefit pension, the standard Social Security timing advice doesn't apply to your situation — and following it without understanding the differen...

Work with me: https://farerfinancial.com/get-started If you have a pension and you keep telling yourself "just one more year" — this episode breaks down exactly what that decision is actually costing you. Most public employees think retiring early is the financial risk. But for pension holders, staying past the point of financial readiness has its own costs — and most people never run the numbers...

Work with me: https://farerfinancial.com/get-started If you're a public employee with a pension, the generic retirement advice — "don't worry about Roth conversions, you'll be in a lower tax bracket" — may not apply to you. In this episode, Cole Krilich of Farer Financial LLC breaks down five reasons why pension holders need to take a closer look at Roth conversions than most...