It's never too late, or too early, to plan for your financial future. 

We offer specialized guidance for career law enforcement professionals.

Retirement Eligible

Retirement Eligible

You’re on a tight timeline but you can do this in as little as 45 days. Don’t delay!

1-3 Years Until Retirement

1-3 Years Until Retirement

You are in a great spot to take full advantage of our firm's capabilities.

Early/Mid-Career

Early/Mid-Career

There’s no benefit to procrastination. Contact us to begin planning your ideal retirement.

Academy Graduate

Academy Graduate

 If committed, you can achieve anything. We can help!

With a deep commitment to education and specializing in helping Law Enforcement Professionals since 2001, our team is well-positioned to help navigate the complexities of your retirement transition.



Leverage our experience to guide you through making smart choices when very important planning opportunities present themselves. For example:  

The DROP Program

Perhaps the greatest strength of these plans is the ability for a police family to better increase their household liquidity at retirement. Invested prudently, assets can help mitigate the risk of long-term inflation while allowing tax deferral following your separation from police work, a period when many continue earning in a second career or job. Furthermore, DROP proceeds may be better structured to align with some of life's most important goals and dreams, not just left to chance.

As DROP programs have increased in popularity, it's been our experience that the administration of these plans typically varies by agency. Custodians typically maintain different rules and operational procedures, which can be challenging for participants and sometimes inflexible

Deferred Comp 457b and Thrift Savings Plan (TSP) investments and programs

These programs are popular for their convenience, ease of enrollment, and perceived low costs. However, most of these programs tend to have limited investment options and access to your money can be a challenge prior to the retirement separation. To our trained eye, they really provide value in managing income taxation at different points in your career. Our team can help you leverage them effectively.

Selecting Pension Payout and Survivor Benefit Options

If there’s one critical area, this is it, as elections for lifetime payouts are typically irrevocable. Historically, pensions had limitations with respect to survivor benefits and payouts for pensioners. We’ve seen many programs evolve over the last 2 decades, now providing flexibility to accommodate a myriad of options for survivors and beneficiaries. This presents a significant financial planning opportunity, as no two households are identical, and the historical one-size fits all approach to default pension benefits wasn’t ideal. 

Lump-Sum Pension Buyout (your contributions plus interest)

Exercising lump-sum pension payouts, whether full or partial, is also an area that can be fraught with pitfalls. It’s advisable to have a skilled professional guide you through the unique complexities of your agency’s plan to avoid costly mistakes and to weigh the pros and cons of different options before signing on the bottom line.

Sick and Annual Leave Buyout

Today there remains a vast difference between agencies with respect to how you can accumulate time and how an economic value may be calculated. The reality is, you’ve made sacrifices over the years, and now it has accumulated into a meaningful pool of money. The payout can also be a very taxing experience - - but what if there were strategies and planning techniques which can reduce your income tax bill and better secure your economic future? There are and we can guide you through them if you don’t wait until the last minute.

Terminal Leave

Do you burn time by taking terminal leave - - or - - take the payout and incur a considerable amount of income taxes? Not all agencies allow you to burn time and it’s not always a smart move. Furthermore, household finances differ, and there’s a strategic way you can approach making this type of decision… Our team is here to help.

Evaluating Life Insurance and Disability Insurance options

We routinely identify households that are underinsured. Being a significant time of change, the retirement transition is an example of where finances should be carefully reviewed and critical planning tools such as life insurance, integrated with pension elections. Having the right amount of coverage and the right type(s) of protection is critical. Securing Life Insurance can be frustratingly complex and challenging, but with guidance from a qualified professional, it does not have to be.

Understanding how the Social Security Windfall Elimination Provision and Government Pension Offset could impact your family.

Not all agencies integrate their retirement plan benefits with Social Security, however, for most households, it remains a very important long-term planning tool, not just for retirement, but with respect to income planning for survivors. Failing to properly account for these facts, could be a significant misstep, leaving a big gap in your family’s financial strategy.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our success. 

Personalized Financial Advice at Every Turn...

Personalized Financial Advice at Every Turn...

Well versed in your career, we can help you avoid common financial pitfalls, guide you on how to maximize your agency benefits programs and plan for the financial future while protecting your loved ones. Simply stated, we'll help you get your financial house in order.

Don't be the cop who says "I wish someone helped me get started saving earlier in my career" or "I still need to get up with the financial guy". No, there won’t be a better time to do this... Our clients depend on us for educational guidance and money-saving ideas.  

Academy Graduation. Through the Ranks. Into Retirement... AND BEYOND.

Academy Graduation. Through the Ranks. Into Retirement... AND BEYOND.

Regardless of where you are in your career, our organization has developed a niche in advising active and recently retired Law Enforcement Professionals on how to structure their finances. You have high expectations and deserve top quality advice from an insider and trusted professional. Having a deep heartfelt understanding for your career, you can depend on us to guide you in making prudent choices with your money.

Lindenberg Financial can tailor speaking engagements and presentations to the unique needs and expectations of your agency's personnel. You pick the venue - Training Academies, Conferences, Roll-Call, Commander's Meetings, Union Meetings and Training Classes. Contact us to uncover the possibilities.

Our Process

Will you be retirement ready?

Secure your copy of The Blue Sheet ™ Our retirement preparation checklist for law enforcement retirement.

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