Start Here
How to Think About a Secure Retirement as a LEOFF 2 Member
Learn how pension income, retirement age, Social Security, expenses, and personal assets fit together in a realistic retirement plan.
Read articleLEOFF Helper Library
Retirement Articles for People Who Want the Full Story
These are the deeper guides behind the calculator. Use them to understand how LEOFF pensions work, how Social Security timing changes outcomes, what can threaten retirement security, and how to make smarter planning decisions.
Pension
LEOFF 2 Tiered Multiplier vs Lump Sum
Compare the tradeoffs between a larger monthly pension and taking the lump sum benefit enhancement.
Read articleStrategy
What “Recommended Retirement Age” Really Means
See how we define sustainable retirement, financial freedom, and income-only retirement coverage through age 100.
Open toolBrowse by Topic
Use the article library by topic, not just publish date.
Pension Rules
LEOFF 2, PERS 2, service credit, final average salary, survivor options, and benefit timing.
Social Security
Claiming ages, FRA, coordinating benefits with pension income, and avoiding timing mistakes.
Expenses
Housing, healthcare, insurance, inflation, and which expenses really matter in retirement.
Retirement Accounts
401k, Roth 401k, IRA, Roth IRA, TSP, 403(b), 401(a), and withdrawal planning.
Risk Analysis
Longevity, inflation, recession risk, pension-policy risk, and building margin into the plan.
Real Estate
Rental income, maintenance, mortgage drag, appreciation, and how property changes retirement math.
Latest Guides
Use these article cards as the main directory for all future in-depth content.
How LEOFF 2 Pensions Work
Learn how vesting, retirement eligibility, final average salary, COLA, and the basic pension formula work under Washington LEOFF Plan 2.
Open articleWhen to Get Professional Financial Help
Learn when it makes sense to hire a CPA, a fiduciary financial professional, or both as retirement decisions get larger.
Open articleWhy Housing and Healthcare Can Break an Otherwise Good Plan
Look at the categories most likely to erode long-term retirement security and how to plan for them.
Open calculatorEarly Retirement Bridge Years: The Quiet Risk in Many Plans
Learn why the years before Social Security or deferred pensions start are often the most fragile part of retirement.
Open articleWhat a Recession Right Before Retirement Can Do to Your Numbers
Understand sequence risk and why withdrawal timing matters even in a deterministic plan.
Open articleSurvivor Options, Spouses, and the Income Your Household Keeps
Compare survivor elections and household income changes so retirement stays resilient after a loss.
Open articleUse Both
Read the guide, then test it in the calculator.
The article library explains the why. The simulator shows how those ideas affect your actual retirement numbers.