Скачать или смотреть PSERS vs. LEOFF Early Retirement Rules Explained - Can You Retire at 53 Without Penalties? (2025)

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“If I have service in both PSERS and LEOFF, can I retire at 53 without penalties?”
Using a real scenario from the Washington Wealth Breakthrough Community, we explain how PSERS 2/3 and LEOFF 2 early-retirement rules work, how penalties (or “reductions”) are calculated, and why these reductions are often much smaller than people assume.

You’ll learn:
Why can LEOFF members start collecting with no penalties at 53
Why PSERS members face reductions before age 60; and why they're usually small
Why a 3% reduction per year early is often far outweighed by years of extra income and COLAs
Why delaying retirement for “perfect numbers” often keeps people working longer than needed
Real client examples of people retiring 2-5 years earlier after understanding this math

If you’re thinking about retiring in your 50s, this video explains exactly how to evaluate the decision so you can retire with confidence, not fear.

00:00 – Question of the day: Can you retire at 53 with PSERS + LEOFF?
00:24 – LEOFF rules: 5 years of service = full benefit at 53, no penalties
00:41 – PSERS rules: penalties before 60 (3% per year early)
01:12 – Why early reductions are often much smaller than people think
01:47 – Should penalties stop you from retiring? Lifestyle vs. math
02:18 – Why a 3% COLA can nearly offset a 3% reduction
02:54 – People delaying PSERS but claiming Social Security at 62 (30% penalty!)
03:30 – Real stories: clients retiring years earlier once they understood reductions
04:24 – How early retirement planning helps people retire 2–5 years ahead of schedule
05:33 – How to get personalized help and join the free community
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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. 🕸️