Retirement Mistakes Maryland Public Employees Should Avoid
Maryland public employees work hard to serve. But when it comes to retirement, we see avoidable mistakes that put futures at risk.
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Mistake #1: Relying Only on Pensions
MSRPS replaces only 50–70% of income. That leaves a gap.
Better Way: Build supplemental income streams with liquidity.
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Mistake #2: Overlooking Fees in 403(b)/457 Plans
Hidden costs eat retirement savings.
Better Way: Audit your plan and build reserves outside Wall Street.
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Mistake #3: No Liquidity
Emergencies force borrowing or credit card use.
Better Way: Build your own private reserve.
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Mistake #4: Ignoring Legacy Planning
Pensions usually end when you do.
Better Way: Blueprint for generational wealth.
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Internal Links:
– [Rockville City Page](/maryland/rockville/)
– [Baltimore City Page](/maryland/baltimore/)
– [Columbia City Page](/maryland/columbia/)
– [Download the FFB Checklist](/checklist)
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Call to Action
Don’t repeat these mistakes.
Download the FFB Checklist
Book a 15 Min Retirement CheckUp