FIREFIGHTER & FIRST RESPONDER FINANCIAL PLANNING
First Responders dedicate their lives to protecting others, and your financial plan should do the same for you. From navigating pension systems to preparing for the physical demands of the job and planning for life after the firehouse, we help you protect your financial future while you protect your community.
THE FINANCIAL REALITIES OF FIRST RESPONDER SERVICE
Your work is high-risk, physically demanding, and often unpredictable. That means your financial strategy must be built for resilience. Common considerations for firefighters include:
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Understanding and maximizing your pension and SMART Plan (MSRB)
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Balancing overtime and base pay for long-term planning
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Preparing for earlier-than-average retirement ages
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Securing your family’s financial stability in case of injury or illness
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Managing secondary income or business ventures alongside your service
HOW MTM PLANNING SUPPORTS FIREFIGHTERS & FIRST RESPONDERS
We work closely with First Responders to create plans that honor your service and meet your personal goals:
RETIREMENT & PENSION PLANNING
Ensure you get the full value of your benefits and know your options for early retirement
INCOME STRATEGY
Integrate overtime, stipends, and side business income for a stable financial picture
RISK PROTECTION
Ensure adequate insurance coverage for you and your family
TRANSITION PLANNING
Prepare for career changes, promotions, or moving into civilian roles post-service
WHY FIREFIGHTERS & FIRST RESPONDERS CHOOSE MTM FINANCIAL PLANNING
Our experience with public service financial planning (including pensions, union benefits, and unique shift-based income) means we understand the challenges you face both on and off duty. We speak your language and value the dedication you bring to your community.
WHAT IF MY SITUATION IS UNIQUE?
If you’re a First Responder with circumstances that don’t match the “standard” career path, such as working in a combined public safety role or running a business alongside your service, we can still help. Our planning adapts to you, not the other way around.