Financial Services for Law Enforcement
Craig James Financial Services, LLC has expertise in properly preparing members of law enforcement for retirement. We have helped hundreds retire through the New York State pension system.
With the help of fellow officers, retirees, union leaders, and delegates, we have created a list of “Retirement Protocols” that have proven to be essential during the retirement process.
Please view a list of some of our law enforcement financial services below.
Lunch On Us
Request a time for the team at Craig James Financial Services to speak and provide a complimentary lunch at your next officers meeting or turn out.
Services
Pension Review
Review of your pension options to see which is best for you and also a discussion about life insurance to see if it is a good fit
Risk Analysis
Risk Analysis of your deferred comp (457 plan) and suggested adjustments
Detailed Analysis
Detailed Analysis of the Partial Lump Sum Option (PLS or PLOP), including how to take the lump sum without tax consequences
NYS Paperwork
Proper completion of New York State paperwork and follow-up with New York State
Social Security Maximazation
Receive a customized Social Security Maximization report to help you decide how to claim your benefits
Personalized Strategy
Personalized investment strategies to help meet your financial goals
Law Enforcement Webinar Series
| Title | Date | Start Time | Duration | Register |
|---|---|---|---|---|
| 5 Steps to Protect Your Online Identity
This webinar will teach you about how your data becomes exposed, what threats you could potentially face, and 5 steps you can take today to protect your online identity. After you participate in this webinar you will KNOW how your information is being leaked, HAVE tools to protect you and your family, and you will FEEL safer navigating the internet. Craig Ferrantino is a registered representative offering securities and advisory services through United Planners Financial Services member FINRA, SIPC. Craig James Financial Services and United Planners are not affiliated. Material discussed is meant to provide general information and it is not to be construed as specific investment, tax or legal advice. Individual needs vary and require consideration of your unique objectives and financial situation. | 2/7/2023 | 7:00pm EST | 1 hour | Register |
| 3 Reasons to Contribute to an IRA
Have you made your 2022 IRA Contribution? Yes that is not a typo--there is still time to make your 2022 retirement contribution before the April 18th deadline. Not sure if you are eligible to make a contribution? Wondering why making an IRA contribution may benefit you? Join us for this 15 minute webinar to learn 3 important reasons why making an annual IRA contribution is so important and the steps needed to make your retirement contribution before it's too late. Craig J. Ferrantino is a Registered Representative offering Securities and Advisory Services through UNITED PLANNERS FINANCIAL SERVICES, Member FINRA, SIPC. Craig James Financial Services, LLC and United Planners are not affiliated. Material discussed is meant to provide general information and it is not to be construed as specific investment, tax or legal advice. Individual needs vary and require consideration of your unique objectives and financial situation. | 2/9/2023 | 9:00am EST | 15 minutes | Register |
| The Secure Act
On December 23, Congress passed the Consolidated Appropriations Act of 2023. This is what’s known as an “omnibus spending bill”. The bill authorizes $1.7 trillion in government spending on everything from disaster relief to supporting Ukraine to workplace protections for pregnant mothers. On December 29, President Biden signed the bill into law. As you can imagine, this was a massive bill. In fact, it contained over four thousand pages. That’s because, as an omnibus, it’s really multiple bills combined into one. Among those many bills is one that will have a profound impact on retirement called SECURE Act 2.0. Back in 2019, Congress passed a law known as the Setting Every Community Up for Retirement Act. This was the original SECURE Act. The law made important changes to IRAs and 401(k)s, among other things, and was designed to help more Americans save for retirement. SECURE Act 2.0 widens the scope of several provisions from the original law. It also comes with a variety of new ones that may impact you and your retirement. There’s a lot to unpack here, so we have reserved time for a few open forum Q&A sessions where Craig will go through these provisions in more depth and answer any questions you may have. Craig J. Ferrantino is a Registered Representative offering Securities and Advisory Services through UNITED PLANNERS FINANCIAL SERVICES, Member FINRA, SIPC. Craig James Financial Services, LLC and United Planners are not affiliated. | 2/15/2023 | 7:00pm EST | 30 minutes | Register |
| 3 Reasons to Contribute to an IRA
Have you made your 2022 IRA Contribution? Yes that is not a typo--there is still time to make your 2022 retirement contribution before the April 18th deadline. Not sure if you are eligible to make a contribution? Wondering why making an IRA contribution may benefit you? Join us for this 15 minute webinar to learn 3 important reasons why making an annual IRA contribution is so important and the steps needed to make your retirement contribution before its too late. Craig J. Ferrantino is a Registered Representative offering Securities and Advisory Services through UNITED PLANNERS FINANCIAL SERVICES, Member FINRA, SIPC. Craig James Financial Services, LLC and United Planners are not affiliated. Material discussed is meant to provide general information and it is not to be construed as specific investment, tax or legal advice. Individual needs vary and require consideration of your unique objectives and financial situation. | 2/16/2023 | 7:00pm EST | 15 minutes | Register |
| Taxes in Retirement
The retirement process is unique and different for everyone, especially when you consider your potential tax burden in retirement. Many essential and irreversible decisions take place when you retire. Where will you get your income from? How and when will you take your social security benefit? What investment strategy will you choose for your investments? What about possible college planning, your spouse’s income, and possible inheritances? You can see that the income you take in retirement can easily produce a tax-toxic retirement. That is why planning is key! Our hope for this webinar is that you will KNOW more about the many sources of income that retirees have and how they can be taxed, HAVE concrete steps you can take today to address your tax-toxicity, and FEEL more secure that you can perhaps keep more of your hard-earned money. In this session, we will cover: Tax toxicity The root causes of tax toxicity Why the marginal tax system differs in your retirement years Possible ways you can mitigate your tax burden in retirement and keep more of my hard-earned money We look forward to seeing you at the webinar. If you have any questions you would like to submit beforehand, please email them to jenna@craigjamesfinancial.com. This event is for educational purposes. Tax services are provided independently from United Planners. Craig J. Ferrantino is a Registered Representative offering Securities and Advisory Services through UNITED PLANNERS FINANCIAL SERVICES, Member FINRA, SIPC. Craig James Financial Services, LLC and United Planners are not affiliated. | 2/28/2023 | 7:00pm EST | 1 hour | Register |
| The Secure Act
On December 23, Congress passed the Consolidated Appropriations Act of 2023. This is what’s known as an “omnibus spending bill”. The bill authorizes $1.7 trillion in government spending on everything from disaster relief to supporting Ukraine to workplace protections for pregnant mothers. On December 29, President Biden signed the bill into law. As you can imagine, this was a massive bill. In fact, it contained over four thousand pages. That’s because, as an omnibus, it’s really multiple bills combined into one. Among those many bills is one that will have a profound impact on retirement called SECURE Act 2.0. Back in 2019, Congress passed a law known as the Setting Every Community Up for Retirement Act. This was the original SECURE Act. The law made important changes to IRAs and 401(k)s, among other things, and was designed to help more Americans save for retirement. SECURE Act 2.0 widens the scope of several provisions from the original law. It also comes with a variety of new ones that may impact you and your retirement. There’s a lot to unpack here, so we have reserved time for a few open forum Q&A sessions where Craig will go through these provisions in more depth and answer any questions you may have. Craig J. Ferrantino is a Registered Representative offering Securities and Advisory Services through UNITED PLANNERS FINANCIAL SERVICES, Member FINRA, SIPC. Craig James Financial Services, LLC and United Planners are not affiliated. | 3/1/2023 | 9:00pm EST | 15 minutes | Register |
Schedule a Workshop
for Your Department
Having the right information about retirement planning is important. Communicating that information can be difficult. Let the team at Craig James Financial Services, LLC make it easy for you. Contact us today to inquire about our curated Retirement Planning workshop for your department. Workshops can be conducted in-person or virtually.