We help First Responders
get the most out of their retirement.

If you’re a First Responder approaching retirement or already retired, you may be wondering:

  • What should I do with my DROP funds?
  • What will I owe in taxes on my DROP funds?
  • How can I access my DROP funds prior to age 59?
  • How can I get the most out of my investments in a volatile market?

If you have questions like these, we can help to provide answers.

Firefighters and Law Enforcement Officers have some of the most unique retirement benefits of any profession.

If you are a First Responder, you likely want to work with a firm that understands your unique financial circumstances. At The Pension Group, we understand the unique financial benefits afforded to First Responders.


With your DROP and 457(b) Deferred Comp accounts, you may have more money than any other time in your life. Errant choices with your retirement planning could affect your family’s financial future. The IRS has a substantial lien on those funds, and the associated tax bill could be your largest debt. We can help you evaluate this potential burden. Current income taxes are at the lowest in decades, however the Tax Bill of 2017 is slated to sunset at the end of 2025. Shouldn’t your plan include a strategy to immunize part of your portfolio from higher taxes and keep more money for you and your loved ones?  To feel confident in retirement, you have to plan for it.

If you don’t have a strategy for Asset ProtectionTax-Efficient Lifetime Income and Risk Based Growth, you could be gambling with your retirement savings.

Now is the time to be sure you understand your retirement options. Let the team that have been where you are use our experience to help guide you through the process.

Meet the advisors dedicated to understanding your unique retirement and pension programs.


Mike Martinez, President


John Forloine, CFP® AIF®
Certified Financial Planner™
Professional Accredited Investment Fiduciary®