Crossing Into Retirement
Retirement Planning Tools — Built from the Track Up
Welcome, Railroad Employees to Railroad Retirement Planning Your Retirement Planning Tools Are Here! Designed from firsthand experience and built for real-world decisions, these tools were created to guide you confidently through Pre and Post retirement planning from start to finish.
What’s Included:
Retirement Planner PDF (Instant Download) A step-by-step guide on:
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Maximizing pension averages
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Timing vacation and sick buyouts
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Navigating Medicare, COBRA, and supplemental insurance
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Filing W-4P and managing tax exemptions
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Trusted recommendations for insurance and post-retirement planning
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Dedicated resources to enhance your retirement lifestyle
Railroad Pension Estimator Calculator. Enter your earnings and years of service to instantly estimate your pension. Designed for both LIRR and Metro-North employees — including the 10% lookback rule for those hired in 2012 or later.
Format:
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Retirement Planner: PDF (Instant Download)
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Pension Estimator: Online Calculator (Instant Access)
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Retirement Hacks: PDF (Instant Download)
Disclaimer
The planner is based on personal experience and public retirement information and is not affiliated with or endorsed by the MTA, LIRR, Metro-North, or any Railroad or union. These tools are for personal planning and are not official pension calculations. Always verify official policies with HR or a financial professional. The information provided regarding railroad retirement benefits is for general informational purposes only and should not be construed as legal or financial advice. Please consult with a qualified professional or the appropriate railroad retirement authority for personalized guidance tailored to your specific situation.
Before proceeding to purchase, please confirm that you agree to the following:
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I understand all sales are final for digital downloads and online access tools.
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I understand this is for personal planning only and is not affiliated with MTA, LIRR, Metro-North, or any labor union.
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I agree to confirm final retirement decisions with my HR department or a qualified financial advisor.