Who We Are and What We Do (PDF)

A quick guide to the services our Guns & Hoses team can provide for you and your department.


The New Tax Law and Michigan Law Enforcement & Firefighters (PDF)

This guide is meant to help firefighters and law enforcement officers understand how the new tax law will affect them.


Michigan State Police Retirement Guide (PDF)

This guide is written to help Michigan State Troopers hired before 7/21/2012 plan for their retirement. As a Trooper, you have a wide array of issues to consider in retirement. These include the nuances of Social Security Windfall Elimination, how to use the 457 and 401(k) plans, what do with DROP and how to plan your last two years.


Michigan State Police Commercial Vehicle Enforcement Division (PDF)

MSP Motor Carrier Officers have a plan unique to other MSP employees.  This guide is specific to the CVED retirement plan and includes focus on understanding the difference between your 401(k) and 457 plans, how to optimize each plan and the difference in taking distributions from each plan.  Because it can be a confusing topic, we also included a chapter on understanding your Social Security benefit.


Michigan State Police Pension Plus Retirement Guide (PDF)

This guide is customized for the retirement plans of Michigan State Police Civilian Employees.  It is designed to help you understand how to optimize your contributions and investments while working and how to take distributions upon retirement.  Also included is a chapter to help you understand your Social Security benefit.  For those in the Defined Benefit Plan, we have also included a guide to help you understand and then calculate the difference between your paycheck and pension check.


Michigan State Police Civilian Guide (PDF)

This guide is customized for the retirement plans of Michigan State Police Civilian Employees.  It is designed to help you understand how to optimize your contributions and investments while working and how to take distributions upon retirement.  Also included is a chapter to help you understand your Social Security benefit.  For those in the Defined Benefit Plan, we have also included a guide to help you understand and then calculate the difference between your paycheck and pension check.


MSP Conservation Officers Guide (PDF)

A customized retirement guide to help Michigan Conservation Officers better understand and maximize their 401(k) and §457 plans, how to take distributions, naming beneficiaries and more.


Deferred Compensation & Defined Contribution Guide (PDF)

A guide on how to optimize your plan while working and how to withdraw from it at retirement.


Estate Planning Guide (PDF)

Protect your family and your assets with this explanation of estate planning documents. By the time you need an estate plan, it’s too late to sign it.


Work or Retire? (PDF)

A ‘bottom-line’ analysis of a paycheck to a pension check to provide guidance on retirement decisions. Different scenarios are used including comparing both checks after all deductions as well as alternate scenarios such as a pay cut, additional medical co-pays or additional contributions to the pension.


Retirement Checklist (PDF)

Things to think about at retirement….or a few years before.


Firefighters Family Financial Checklist (PDF)

This checklist is designed to assist firefighter families in establishing and reviewing their annual financial picture. Some items may not apply, however, the basic concepts are toward building a solid financial future.


Law Enforcement Family Financial Checklist (PDF)

This checklist is designed to assist law enforcement families in establishing and reviewing their annual financial picture. Some items may not apply, however, the basic concepts are toward building a solid financial future.


MSP Family Financial Checklist (PDF)

This checklist is designed to assist MSP families in establishing and reviewing their annual nancial picture. Some items may not apply, however, the basic concepts are toward building a solid nancial future.


How a Defined Contribution (DC) Plan or Hybrid Plan can be equivalent to a Defined Benefit (DB) Plan in Public Sector Pensions (PDF)

A major national trend continues in the push to replace traditional DB plans with DC or a combination DB/DC hybrid plan. The push is to ‘two-tier’ systems where new hires are offered a DC or Hybrid, and the legacy employees continue to receive a DB. This article briefly explores how the plans are different and how they can provide similar financial outcomes.


The DROP Retirement Guide For Michigan Police Officers & Firefighters (PDF)

Planning tips and options for when you’re done with your DROP and have separated service from your department.


Social Security Windfall Elimination (PDF)

An explanation of the reduction in Social Security benefits from those receiving pensions from an exempt system.