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Who We Serve

Fluent in Washington's public employee systems.

PERS, SERS, TRS, deferred comp. If you have spent your career in public service, Chad can help you understand exactly where your pension system leaves you.

Who this is for

Washington state and local municipal employees, including police, fire, and parks and recreation workers, working through the Department of Retirement Systems or a local municipality’s own retirement plan.

What Public Employees Bring to This Conversation

  • Not knowing whether they are truly on track for retirement
  • Feeling overwhelmed by the complexity of PERS, SERS, or TRS
  • Uncertainty about how much to contribute to deferred compensation
  • Wanting to understand how a pension works alongside Social Security
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I also work with state and local municipality employees. Whether you’re part of the Department of Retirement Systems through the state of Washington, or a local municipality with its own retirement system, I’m very fluent in all of those plans.

Chad Kasper,
Founder, Kasper Wealth Management

WA State & Municipal Retirement Questions We Hear Often

How does my PERS or SERS pension affect when I can retire?
It depends on your specific plan and years of service. Washington’s public retirement systems each have different rules for eligibility and benefit calculation, which is why reviewing your specific plan matters more than a general rule of thumb.
That depends on your broader retirement income picture, including your pension and Social Security. This is a conversation worth having before you decide, since the right contribution level varies based on your full financial plan.
These are separate Washington state retirement systems covering different categories of public employees, each with its own benefit structure and eligibility rules. Knowing which plan you are in, and what it actually provides, is the starting point for retirement timing decisions.
Often, yes. Public safety retirement systems can include different eligibility ages, benefit formulas, and disability provisions than general public employee plans. Reviewing your specific plan documents is the most reliable way to understand what applies to you.
This depends on your specific pension plan and work history. Some public pensions interact with Social Security benefit calculations differently than private-sector plans, which makes this worth reviewing as part of your overall retirement income plan.

Relevant Services

Corporate & State Retirement Plan Consulting

Boeing pension or WA state system, fluent in both.

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Retirement Income Planning

Know where your income is coming from before you stop working.

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Cash-Flow Planning

Not a budget. A plan for your actual life.

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Your pension system, explained plainly.

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