Active Officers
Police, fire, EMS & public safety
Benefits Planning for Law Enforcement Officers
Pension, 457 & Protection Planning
Officers Benefits
You protect the community. We help you understand and optimize what you’ve earned — your pension, deferred compensation options, life insurance, and family protection.
Serving officers and first responders across Long Island (Nassau & Suffolk) and beyond.
20+ Years Experience Client-First Virtual + Local
Prefer to text? (631) 904-0901
Who This Is For
Built for officers and first responders in these situations:
Approaching Retirement
Within 5–10 years of eligibility
Long Island Based
Nassau & Suffolk counties
Families & Survivors
Protection & income planning
Why Officers Choose Atlas Benefits Advisor
Public safety careers bring unique benefits and unique risks. We combine a clear review of your employee benefits with practical planning designed for busy professionals who serve.
1
Pension & Deferred Comp Clarity
Understand how your pension, 457(b), and any service credit or early-retirement provisions work together — whether you are in a state or county plan.
2
Line-of-Duty & Family Protection
Review group life insurance, disability coordination, and how federal Public Safety Officers’ Benefits interact with local benefits.
3
Clear Next Steps
Complimentary VirtualWealth sessions focused on practical information — no pressure, no obligation.
How a VirtualWealth Session Works
1
Book
Choose a time. Sessions are complimentary and delivered via VirtualWealth.
2
Share
Provide basic details about your pension, 457(b), and coverage.
3
Review
Receive clear information and practical next-step options.
All conversations are confidential and conducted with complete discretion.
Key Facts Officers Should Know
Federal Public Safety Officers’ Benefits (PSOB)
For eligible line-of-duty deaths or permanent total disabilities occurring on or after October 1, 2025, the current federal benefit is $461,656. Educational assistance is $1,574 per month of full-time study. PSOB is administered by the U.S. Department of Justice and works alongside local benefits.
Source: U.S. Department of Justice, Bureau of Justice Assistance
Governmental 457(b) Flexibility
Distributions from an eligible governmental 457(b) plan are generally not subject to the 10% early-withdrawal penalty after separation from service — even before age 59½.
Source: IRS Topic No. 558
NY State Deferred Compensation Plan — Self-Directed Option
Many New York public employers use the New York State Deferred Compensation Plan. The State Plan is available to New York State employees.
Disclaimer: New York City, Nassau County, and Suffolk County officers contribute to their own city or county 457(b) plans and are not eligible for the State Plan.
For officers who are in the State Plan, NYSDCP offers a Self-Directed Investment Account through the Schwab Personal Choice Retirement Account (PCRA). Eligible participants may transfer a portion of their core balance into a broader selection of mutual funds and ETFs while the assets remain inside the 457(b) plan.
Learn More About the NYSDCP Self-Directed Brokerage Option →
Investment Selection
Access to more than 3,200 mutual funds and a range of ETFs. Individual stocks, bonds, and options are not available.
Key Parameters
- Core balance of $10,000+ required for initial transfer
- Minimum first transfer: $2,500
- $15 setup fee + $15 annual fee (from core account)
- Assets remain inside the 457(b) plan
Rules, fees, and available investments are subject to change. Confirm current details with the Plan or Schwab. County and city plans have separate rules.
What We Typically Review
- Pension formula, service credit, and early-retirement or disability provisions
- 457(b) strategy — NYSDCP if your employer is in the State Plan, or the applicable New York City, Nassau County, or Suffolk County plan
- Group life insurance versus actual family need
- Workers’ compensation, disability retirement, and federal PSOB coordination
- Spousal and survivor benefit elections (often permanent decisions)
- Pre-Medicare healthcare window for early-retiring officers
Related Guidance
403(b) Checkup
Review fees, investment choices, and contribution strategy if you also have a 403(b).
Learn MoreVirtualWealth Planning
Learn how high-touch VirtualWealth sessions deliver clarity on pensions, deferred comp, and protection.
Learn MoreLife Insurance Guidance
Compare group coverage to actual family need and explore additional protection options.
Learn MoreNYSDCP Self-Directed
Details on the Schwab PCRA option — eligibility, fees, and available investments for State Plan participants.
Learn MoreFee Structure
Transparent information on how we are compensated and what clients can expect.
Learn MoreHow VirtualWealth Works
Clear overview of the planning process from first conversation to ongoing support.
Learn MoreFrequently Asked Questions
Yes. Atlas Benefits Advisor works with law enforcement officers, firefighters, EMS personnel, and other public safety professionals on Long Island and beyond, helping them understand and optimize their pensions, deferred compensation plans, and protection benefits.
Many New York public employers use the New York State Deferred Compensation Plan. The State Plan is available to New York State employees.
Disclaimer: New York City, Nassau County, and Suffolk County officers contribute to their own city or county 457(b) plans and are not eligible for the State Plan.
Yes. We work with officers at different stages — from mid-career optimization to detailed retirement timing and income sequencing.
For eligible line-of-duty deaths or permanent total disabilities occurring on or after October 1, 2025, the federal PSOB benefit is $461,656. Educational assistance is currently $1,574 per month of full-time study.
The State Plan offers a Self-Directed Investment Account through the Schwab PCRA. Eligible NYSDCP participants may transfer a portion of their core balance into a broader selection of mutual funds and ETFs while the assets remain inside the 457(b) plan. This option applies only to State Plan participants — not to New York City, Nassau County, or Suffolk County officers in their separate plans.
NYSDCP participants generally need a core Plan Account balance of at least $10,000 at the time of the initial transfer. The first transfer must be a minimum of $2,500. Officers in New York City, Nassau County, or Suffolk County plans should confirm any self-directed options with their own plan administrator.
Distributions are generally not subject to the 10% early-withdrawal penalty after separation from service, even before age 59½.
Book a complimentary VirtualWealth session, call (631) 389-2358, or text (631) 904-0901.
Ready for a Clear Picture?
Book a complimentary VirtualWealth session. No pressure. No obligation.
Call (631) 389-2358 | Text (631) 904-0901
admin@atlasbenefitsadvisor.com
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This page provides general educational information only and is not personalized advice. Individual situations vary. Pension, 457(b), and PSOB rules change. Confirm current figures with official plan and agency sources. All conversations are confidential.