What We Do:
If you’re an electric cooperative employee nearing retirement or already retired, chances are you’ve spent decades helping power your community. Now, it’s time to turn the focus to you—and ensure that the next phase of your life is just as secure and rewarding.
With $500,000 or more in savings, you’re in a strong position. But true peace of mind in retirement doesn’t come from investment performance alone. It comes from having a clear, comprehensive plan designed for your unique life, goals, and challenges. Below are five key decisions every co-op employee needs to make for a confident retirement.
1. Your Retirement Timeline: When and How to Retire from the Co-op
Deciding when to retire isn’t just about hitting a certain age. It involves understanding how your pension, 401(k), Social Security, and healthcare benefits align with your desired retirement lifestyle. We help you:
Assess your income sources and gaps
Evaluate early retirement options and penalties
Create a timeline that reflects your goals and obligations
2. Making the Most of Your Retirement Savings: Income Planning That Lasts
You’ve saved well. Now it’s about turning that nest egg into a reliable income stream that lasts 20-30 years or more. We help co-op employees:
Understand withdrawal strategies that reduce tax impact
Plan for required minimum distributions (RMDs)
Design income plans that balance growth and stability
3. What to Do with Your NRECA R&S Pension, 401(k), and Other Retirement Accounts
The retirement benefits from your electric co-op job are valuable, but complex. We'll walk you through:
Pension lump sum vs. annuity decisions
Consolidation strategies for your R&S Pension, 401(k) and any other investment and retirement accounts
Coordinating NRECA plans with your broader retirement strategy
4. Health Care and Insurance Decisions After Leaving the Co-op
Healthcare in retirement can be one of your biggest costs. Planning ahead is essential. We guide you through:
Medicare timing and options
Supplemental insurance needs
Long-term care considerations
5. Choosing the Right Advisor: What "Comprehensive Retirement Planning" Really Means
Many advisors focus only on investments. We believe that’s just one piece of the puzzle. A trusted advisor should help with:
Income planning
Tax strategies
Estate and legacy planning
Coordinating benefits and lifestyle goals
You’ve worked hard to build your savings. Make sure the person guiding you understands your world—and is committed to helping you enjoy the retirement you’ve earned.
Next Step: Let’s Talk
If you're ready to see what a personalized retirement plan looks like, we're here to help. We specialize in working with electric cooperative employees who want more than just investment advice.
Your cooperative/NRECA may offer great retirement benefits.
What they don't offer you is a plan on how to maximize those benefits based on your unique retirement goals.
That's what we do.
How can we help you?
Click Here to schedule your retirement consultation
The consultation is free and without obligation.
