New York City's public sector workers — police officers, firefighters, transit workers, educators, and city employees — have some of the most complex retirement decisions in the country.
Quick Answer
Doug Robb Jr. is a SEC-registered fiduciary financial advisor specializing in NYC pension rollover planning for NYCERS, NYPD, FDNY, TRS, and MTA workers. He serves New York City public sector employees across all five boroughs, helping them coordinate pension income, IRA rollovers, Social Security, and deferred compensation into a tax-efficient retirement income plan.
Most financial advisors are not fiduciaries — they are brokers who earn commissions on the products they recommend. For NYC public sector workers making irreversible pension elections and IRA rollover decisions, working with a non-fiduciary advisor is a significant risk. Doug Robb is legally bound to act in your best interest at all times. He has no incentive to recommend one product over another — his only obligation is to you.
NYC public sector retirement planning involves navigating the specific rules of each pension system, understanding which assets are rollover-eligible, coordinating pension income with Social Security and IRA distributions, and managing the combined NYC, NYS, and federal tax burden. Doug has deep expertise in all five NYC pension systems and the supplemental savings plans that accompany them. He helps workers from all five boroughs — Manhattan, Brooklyn, Queens, the Bronx, and Staten Island — build retirement income plans that maximize every dollar of their earned benefits.
NYCERS
NYC Employees' Retirement System — the largest NYC pension, covering most city workers
NYPD Pension Fund
NYC Police Pension Fund — for active and retired NYPD officers and detectives
FDNY Pension Fund
Fire Department NY Pension Fund — for FDNY firefighters and EMS workers
TRS
Teachers' Retirement System of NYC — for NYC Department of Education employees
BERS
Board of Education Retirement System — for non-pedagogical NYC BOE employees
MTA Defined Benefit Plan
Metropolitan Transportation Authority pension — for NYC transit workers
NYC 457(b) Deferred Compensation
Supplemental savings plan available to all NYC employees — rollover-eligible upon retirement
NYC pension rollover planning involves identifying which assets are rollover-eligible (typically 457(b) and 403(b) supplemental plans, not the defined benefit pension itself), executing a direct rollover to avoid taxes and penalties, and integrating the IRA with pension income, Social Security, and other assets into a unified retirement income strategy. A fiduciary financial advisor like Doug Robb Jr. guides NYC workers through every step of this process.
Schedule a complimentary consultation with Doug Robb Jr. — SEC-registered fiduciary, 31 years of experience, and a legal obligation to act in your best interest.
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