Sheila Rodriguez

Too many people leave old 401(k)s behind without ever asking a bigger question:

Is your retirement money still working for the life you have now… or the job you left years ago?

An old employer plan could mean unnecessary fees, limited investment options, and a strategy that no longer aligns with your goals. A rollover is not just paperwork — it’s a chance to take control, create clarity, and position your retirement with purpose.

Before you move your money, understand your options. The decisions you make today can impact how you retire tomorrow.

DM me to learn more🫶🏻

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Many police officers spend years contributing to retirement accounts without fully understanding how their DROP account and 457 Deferred Compensation plan actually work together. The truth is, how you withdraw and position those funds in retirement can have a major impact on your taxes, income, and long-term financial security.

A DROP account is designed to accumulate pension benefits while you continue working, while a 457 plan offers tax-deferred savings with different withdrawal options and tax implications. Without a proper rollover and distribution strategy, retirees can unintentionally create larger tax burdens and reduce the longevity of their retirement income.

The goal isn’t just to retire — it’s to create predictable, protected income that works for you and your family long after the badge comes off. Strategic rollovers and retirement income planning can help maximize what you’ve worked so hard to earn while reducing unnecessary risk and taxation in retirement.

If you’re a law enforcement officer nearing retirement, now is the time to understand your options and build a strategy designed specifically for first responders. DM me to learn how to position your DROP and deferred comp accounts for long-term retirement confidence.

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Many people think having a will means their family avoids probate… but that’s not always the case.

A will can still require court involvement, public records, delays, and additional stress for loved ones during an already emotional time. It also doesn’t provide protection if you become incapacitated while still alive.

A properly structured living trust may help:
• Avoid probate
• Maintain privacy
• Create a smoother transfer of assets
• Allow someone you trust to step in without court intervention if needed

Having a will is a great foundation—but the bigger question is whether your estate plan is truly designed to protect your family, preserve your legacy, and make life easier when it matters most.

If you’d like a second set of eyes on your current plan, send me a DM. I’m happy to walk through it with you.

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⚽️ Soccer fever has officially hit Leawood—and we’re excited to be part of it!

Lucian Financial Group is proud to be in Leawood Magazine’s “Soccer Fever Hits Leawood” issue 🏆

Just like the World Cup, success takes strategy, discipline, and the right team behind you—and that’s exactly how we approach your financial future.

From the field to your finances… we play to win.

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