Presentation Summary

Please join us for a webinar presented by Cerity Partners,  focused on the financial planning decisions facing New York State employees approaching retirement. For many NYS workers, retirement comes with a set of powerful built-in benefits — a defined pension, the NYS Deferred Compensation Plan, and Social Security — but translating those benefits into a secure, tax-efficient retirement requires careful coordination.

The decisions NYS employees make at retirement are often permanent. A pension payment option cannot be changed after election. Social Security claimed too early locks in a reduced benefit for life. And NYSDCP balances left unmanaged can trigger tax consequences that compound for years. Yet research shows that most pre-retirees are navigating these decisions without a clear plan: 65% don't know how much they can safely withdraw from retirement savings, and only half feel on track to retire with the lifestyle they want.

Beyond income, retirement from NYS raises interconnected questions around tax planning, estate structure, and legacy. The window between retirement and Social Security enrollment is often the most valuable — and most underused — opportunity to convert tax-deferred assets, manage bracket exposure, and build a tax-free inheritance for the next generation.

This webinar will walk NYS pre-retirees through a coordinated roadmap for making these decisions with clarity and confidence.

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