Скачать или смотреть Ep 40 - 5 Retirement tips for 2026

Free Washington Retirement Planning Community and Courses: https://www.skool.com/washington-weal...

If you are a Washington State employee planning to retire soon, 2026 is a year you cannot afford to wing it.

In this episode, I break down five retirement planning mistakes I saw repeatedly this past year and how to fix them before they cost you money .

We cover:

Why taking the highest pension option is not always the smartest move
How survivorship choices can dramatically impact your spouse
Why Roth conversions need a real strategy, not guesswork
What most people misunderstand about long term care insurance
Why timing matters more than your account balance

We also answer a key listener question:
How can I retire as early as possible on PERS 3 with over 30 years of service?

If you qualify for the 2008 ERF and are considering retiring at 55 instead of 62, the break even math might surprise you . We walk through how reductions, COLAs, and lifetime payout comparisons actually work.

Whether you are in PERS 2, PERS 3, TRS, SERS, or DRS deferred comp, this episode will help you avoid costly timing mistakes and build a retirement plan that survives real life.

00:00 Intro
01:11 Tip 1 - Bigger pension is not always better
04:38 Tip 2 - Do not assume your spouse will figure it out
07:40 Tip 3 - Roth conversions need strategy
09:25 Tip 4 - Long term care insurance misconceptions
11:20 Tip 5 - Timing matters more than account balance
13:31 - How to retire early on PERS 3 with 30 years
15:30 - Break even age and early retirement math
17:00 - Budget planning and stress testing retirement
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🙋🏽‍♀️ Need help? Schedule A Meeting :
https://calendly.com/scenicfinancial
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🎯Get TRS 3, PERS 3 & DCP Investment Advice Here:
💥💥 https://scenicfinancial.net/scenic-pl...

The Only Place To Receive Ongoing, Personalized Investment Advice, So You Can Confidently Invest In Your TRS 3, PERS 3 & DCP Retirement Plans!
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🕸 Visit Us Online:
Scenicfinancial.com
WATRSPERS.com
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

DISCLAIMER
**Advisory Services offered through Intirety, LLC a registered investment adviser. Intirety LLC and Scenic Financial are not associated with the Washington State Department of Retirement in any way. Scenic Financial makes content available as a service to its clients and other visitors, to be used for informational purposes only. While our best intentions are to provide accurate and timely information, you should always consult with retirement, tax, and legal professionals prior to taking any action. 🕸️