Important Disclaimer

LEOFF Helper is built to make retirement planning easier to understand, but it does not replace professional financial, legal, tax, actuarial, or investment advice.

Last Updated: March 2, 2026

Educational Use Only

This website and all associated tools, calculators, projections, and content are provided strictly for educational and informational purposes.

We are not fiduciaries. We are not financial advisors, investment advisors, attorneys, accountants, actuaries, or licensed professionals of any kind. Nothing presented here constitutes financial, tax, legal, actuarial, or investment advice.

All calculations are simplified mathematical projections based solely on user-provided inputs and embedded assumptions. Real-world outcomes may differ materially. Use of this tool is voluntary and at your own risk.

No Government Affiliation

This project is independently created by a Washington State resident. It is not affiliated with or endorsed by the Washington State Department of Retirement Systems (DRS) or any other government entity.

Planning Philosophy

LEOFF 2 provides a strong defined benefit pension. However, relying solely on one income source may expose retirees to structural risks, including:

• Inflation risk
• COLA underperformance
• Legislative risk
• Longevity risk
• Healthcare cost escalation

A resilient retirement structure may include diversified income streams such as 401(k), 457(b), real estate, brokerage investments, Treasury securities, precious metals, and other diversified assets.

This calculator is designed to highlight potential structural gaps. It is not a substitute for comprehensive professional advice.