Public Service Deserves Private Retirement Security
Your pension and deferred comp are a great start. Gold IRA completes the picture.
Get Your Free Consultation- 1State/local pensions vary widely in funding levels
- 2457(b) deferred comp has limited investment options
- 3Government pay often trails private sector
- 4Budget cuts can affect pension promises
- Tax-free 457(b) to Gold IRA rollover at retirement
- Independence from state/local government finances
- Inflation protection for fixed pension payments
- No early withdrawal penalty on 457(b) rollovers
State and local government employees can roll over their 457(b) deferred compensation into a Gold IRA at separation—with no early withdrawal penalty regardless of age. This is a major advantage. We recommend rolling over 20-25% into gold, especially if your state pension plan has below-average funding.
Questions From Government Employees
Can I roll over my 457(b) while still employed?
Most governmental 457(b) plans allow rollovers only at separation. However, some plans permit in-service rollovers. Check with your plan administrator. The big advantage: no 10% early withdrawal penalty at any age.
Is my state pension at risk?
Pension funding varies dramatically by state. Some states are well-funded (Wisconsin, South Dakota) while others face challenges. A Gold IRA provides personal protection regardless of your state's fiscal health.
I have both a pension and a 457(b)—what should I do?
Your pension provides the income foundation. Roll over a portion of your 457(b) into a Gold IRA for inflation protection and diversification. This gives you three income streams: pension, Social Security, and gold-backed savings.
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