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19607 NYS Route 3 Watertown, NY 13601

(315) 779-0700
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NYSCOPBA and UPA: Helping You Plan Your Future

What If You Could Choose The Maximum Pension Payout Option That's Available To You, And Still Protect Your Spouse And Family When You're Gone?

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    It's Never Too Late To Save For Retirement!

As a valued member of NYSCOPBA, you have access to resources to help take advantage of the benefits you are offered. What does this mean for you? Building a financial plan that helps protect you and your family as well as allows you to maximize your retirement savings so you can retire comfortably and stay retired.

We will work with you to find the answers to these important questions about your retirement:

Our Process

Why should I enroll in the Deferred Compensation Program?

Our History

What happens if I can no longer work?

Our Values

How do I start saving so that when I retire, I STAY RETIRED?

Our Resources

What steps do I need to take when I become eligible for retirement?

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HOW SOON SHOULD YOU START THINKING ABOUT MAXIMIZING YOUR NYSCOPBA PENSION?


Your NYS Pension is likely to be your most valuable retirement asset. The best time to learn about pension maximization was yesterday, but short of that, the best day is today. The earlier you learn about this strategy, the more options you may have available to you. Many NYS pension holders will retire and find out about maximizing their pension after they retire.


The good news is that you have 30 days after you have submitted your final retirement paperwork with your pension election to change your option. This means right up until that time, pension maximization could be a great option for you. If you have in fact already retired, and are no longer eligible to change your pension option, there are still planning opportunities available to you as a NYS retiree that you should know about.


Though your pension is likely the lead character in your financial play, there are many supporting cast members. You have your NYS deferred compensation or 403(b) or other qualified retirement plans. You have phenomenal health and wellness benefits. You likely have mortgages and other debt instruments. Perhaps you have children or grandchildren you would like to help with education expenses.


You may not realize it but all of these other financial resources and obligations should play into your planning regarding which pension option you take. Many Financial Professionals are not well versed in the nuances of the NYS pension benefits and miss key opportunities that are available to you. We can help pair you with a Financial Advisor who has experience maximizing NYS pensions within the
context of a comprehensive plan.

LET'S MAKE SURE YOU MAKE A CONFIDENT PENSION DECISION

We Will Help You Every Step Of The Way.

Schedule An Appointment Today

To learn more about how we can help you become retirement ready, call us at  (315)-779-0700 or by email sage@upallc.com

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Tips and Resources

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send us a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

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Have a Question About How You Can Get Retirement Ready? Just Ask Us!

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*Representatives offer products and services using the following business names: United Professional Advisors– insurance and financial services | Ameritas Investment Company, LLC(AIC), Member FINRA/SIPC –securities and investments | Ameritas Advisory Services (AAS) –investment advisory services. AIC, AAS, United Professional Advisors and NYSCOPBA are unaffiliated, independent entities. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.*