Avery Cooper Financial

Most First Responders know they have a pension.
Far fewer actually know how it works.

And that matters more than people realize.

I’ve sat with Officers who assumed:
• their spouse was fully protected
• their pension automatically covered everything
• they understood their survivor options

…until we actually opened the pension documents.

Your pension is one of the most valuable benefits you’ll ever receive — but only if you understand what you signed up for.

The details matter:
Retirement age.
DROP rules.
Survivor elections.
Disability provisions.
Beneficiary designations.

Don’t wait until retirement paperwork — or a tragedy — to learn how your benefits actually work.

Read the documents.
Ask questions.
Have a plan.

I've Got Your Six.

Most cops fall into one of these three…
and if we’re being honest, a lot of us have been all three at different points.

Nothing wrong with working overtime.
Nothing wrong with enjoying your money.

But the difference over time?

👉 One builds stress
👉 One builds stuff
👉 One builds options

And options are what give you control — on and off the job.

If you had to call it out at roll call…
which one are you right now?