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Retirement Planning

Are you on track to retire? Retirement planning is the planning one does to be prepared for life, after paid work ends. This is ideally a lifelong process that starts long before you retire—the sooner, the better. The amount of money you need to retire comfortably, is highly personalized, but there are rules of thumb that can give you an idea of how much to save to keep you on track. Longer life spans have created several new issues that need to be taken into consideration when planning for retirement. Retirees need to be concerned with maintaining their cost-of-living for an average of 20 years. With inflation at an all-time high, it is now more important than ever to have a retirement strategy in place. There are many ways to save for your retirement. At FRG we can personalize a strategy for you and your family based on your unique situation and help evaluate your savings and get you on track for the retirement you envision.

Let’s See If You’re On Track!

Schedule a complimentary no obligation meeting with the LPL Financial Advisor to learn more.

How Much Will You Need To Retire? 

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.

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.

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