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Retirement Planning

Plan Your Future with Confidence

Are you confident in your retirement plan? Retirement planning is about preparing for a financially stable and fulfilling life after your career. It’s a lifelong journey that’s best started early—but it’s never too late to take control of your financial future.

The amount of money you’ll need to retire comfortably depends on your unique goals, lifestyle, and circumstances. While general guidelines—such as saving 10–15% of your income—can provide a baseline, personalized planning is essential. Factors like inflation, rising healthcare costs, and longer lifespans make proactive strategies more critical than ever.

At First Responders Group, we specialize in helping first responders and their families navigate these challenges. From assessing your current savings to exploring investment options like 401(k)s, IRAs, and Roth IRAs, we provide customized plans tailored to your needs.

 

Take the First Step Today

Don’t wait to plan for the retirement you envision. Contact us now to schedule a complimentary consultation and start building a strategy for you and your family.

Why Retirement Planning is Crucial:

  • Longer Retirement Periods: Many retirees need to sustain their lifestyle for 20–30 years.
  • Inflation: Even modest inflation rates can significantly impact your purchasing power over time.
  • Healthcare Costs: Medical expenses tend to increase as you age, making robust savings essential.

How FRG Can Help You

  • Personalized Plans: Ray Lazcano will work with you to craft a strategy that fits your goals and timeline.
  • Retirement Calculators: Use tools like our 401(k) and Roth IRA Calculators below to estimate your savings needs.
  • One-on-One Consultations: Schedule a complimentary, no-obligation meeting with Ray Lazcano, LPL Financial Advisor to assess your readiness and explore strategies that aim to maximize your retirement potential.

Retirement Calculators 

401K Calculator

Roth IRA Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regard to your invidual circumstances. All examples are hypothertical and are for illustrative purposes. We encourage you to seek personalized advice from qualified a professional regarding all personal issues.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Boston Firefighters Credit Union (BFCU) and Frist Responders Group (FRG) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using FRG, and may also be employees of BFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, BFCU or FRG Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.


Boston Firefighters Credit Union (BFCU) provides referrals to financial Professionals of LPL Financial LLC (LPL) pursuant to an agreement that allows LPL to pay BFCU for these referrals. This creates an incentive for BFCU to make these referrals resulting in a conflict of interest. BFCU is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

 

LPL Financial Form CRS

Membership Requirement

Membership in this Credit Union shall be limited to the employees and retirees (including their family members) of the following:

  • Boston Fire Department
  • Boston Police Department
  • Boston EMS
  • Boston School Police
  • Massachusetts State Police
  • Boston Firefighters Credit Union
  • Boston Firefighters Local 718
  • Massachusetts Fire Departments whose members comprise the Professional Fire Fighters of Massachusetts (PFFM), a labor organization affiliated with the International Association of Fire Fighters (IAFF)
  • Suffolk County Sheriff’s Department
  • Police Departments within a 25-mile radius of Boston

For the purpose of this section, the term "family member" shall be defined to include spouses, domestic partners (sharing a principal residence in the same household as the member), and children as well as parents, grandparents, grandchildren, siblings, nieces and nephews whether related by blood or marriage.

By clicking continue, you are verifying that you belong to one of these groups.

Continue to Become a Member