Warrior Rack

- - - warriorrack.com - - -

2-Day Digital Class: NOV 10-11 - Police Social Media Academy If you need to pay by check or purchase order please email us at [email protected]. 10am-5pm (Eastern Daylight Savings Time) This training is specifically for public safety agencies. The training is open to police, fire, EMS, 911, and other government agencies. This 2-day training is great rega...

Serious talk on these 457 plans…if your agency is offering, you young guys need to listen and start investing!

The 457 edge most cops ignore

Unlike a 401(k), many governmental 457(b) plans let you take money after you separate — with no 10% early-withdrawal penalty.

That is the bridge. Leave at 50–55, tap the 457, and cover the gap to pension or Social Security without the usual IRA/401(k) tax hit. Ordinary income tax still applies. The penalty often does not.

Most officers find this the year they hang it up. By then the contribution rate sat frozen for a decade.

Use it on purpose:

• Confirm your plan is a governmental 457(b) and what “separation” actually means in writing

• Don’t treat the 457 like a second checking account while you’re still on the job

• Don’t roll it into an IRA on autopilot if you might need the no-penalty window

• Build the bridge before you need it — percentage of every raise, not leftover OT

A pension is the foundation. The 457 is the part you control — including when you can touch it.

Not advice. Peer systems. Ask HR or the plan before you move a dollar.

Organize your gear now! Visit warriorrack.com, we have several options to choose from.

🇺🇸