We've Got Your 6: Protected Today, Prepared For Tomorrow


  856-739-4103
Who We Are: We Understand Your Needs Because They’re Our Needs Too
Our team consists of active and retired law enforcement officers and we specialize in retirement strategies for first responders. We can help you maximize your retirement income and create multiple streams of retirement income so that you can live more comfortably, help offset the cost of retirement healthcare, or just have some extra cash flow.

 Julia Downes served as a municipal police officer in NJ for three...
"The Best Way To Predict The Future Is To To Create It."
We invite you to change your financial mindset forever. Shift your paradigm and learn more about correct financial principles. You see, what most people believe about money and retirement is completely false. What most of us have been taught is simply not right. Break away from the status-quo and achieve financial independence!
PUBLIC SECTOR PENSIONS
Get Your Personalized Pension Report 
See What Your Annual Pension Will Be In Retirement
If you are a member of a public pension plan in any of the 50 states, we can create a customized pension report specific to you. You will see what your annual pension would be at any age in retirement, your estimated social security (if you are eligible), what your reduced pension income would be if you wanted to retire early, how inflation will impact your pension & retirement income and what your retirement income gap will be in the future. 
Is Your Public Employee Pension Enough For a Comfortable Retirement?
A Pension is a Great Perk and Might Provide a Nice Padding For a Comfortable Retirement, But is it All You Will Need?
Pensions are a complex and tricky subject. They are well liked by public sector employees and often considered the golden standard of retirement benefits. However, they can also provide a false sense of security and safety leading recipients to believe that supplemental saving and investing is unnecessary. However, beware that this can be a dangerous outlook...(Click To Read More).
Just How Are Our State Pension Systems Faring? 
State Funding Ratios Over Time
See the evolution in funded ratios for state pension plans from 2001-16. The video report shows how the funded status of defined benefit pension plans have evolved over a 15 year period. A funded ratio is simply a measurement of how much a pension plan has saved relative to the benefits it has promised, the percentage is calculated by dividing the market value of assets by the actuarial value liabilities (i.e., the net present value of promised pension checks)(Courtesy of The Reason Foundation).
SUPPLEMENTING YOUR PENSION
Why This Is More Important Than Ever
NJ Public Pensions Underfunded by Billions
Dallas Police Pension Crisis
What Happens When a Pension Plan Goes "Belly Up"
OUR FOCUS
Retirement Income
Will You Be Able To Truly Retire?
What if you could supplement your pension with a second guaranteed, pension-like income stream that would last your entire life? That’s exactly what we do for our clients. We have many options available for retired first responders and those that are nearing retirement to create supplemental retirement income streams using assets they already have, such as a 457b or an IRA. We all know that public pensions are not quite enough to sustain living expenses in retirement; and we see public employees now more than ever having to work second careers in order to make ends meet in retirement. We love the opportunity to help our brothers and sisters better plan for retirement and to ensure that they have adequate retirement income. 
Maintaining Cash Flow
It Is Crucial To Have Increasing & Sustainable Cash Flow That Outperforms Inflation & Is Protected From Market Losses
Our retirement strategies can offer guaranteed, pension-like income (to supplement your government pension) that can increase each year to help offset inflation. This helps to ensure that your income is not losing value over time and that you can maintain the same standard of living 10, 20, or 30 years from now. 
Filling The Income Gap
It Is Important To Understand What Your Retirement Income Gap Will Be & Take Proactive Steps To Bridge The Gap
Many public pensions no longer offer a cost of living adjustment benefit. With inflation averaging 3% per year, how are you filling that income gap?   The average first responder is living for 20-30 years in retirement. Will your pension have the same buying power in 20 years? 
Legacy & Estate Planning
Leave A Legacy For Your Loved Ones & Ensure That Your Estate Is Protected
We make sure that you are properly insured for any situation to include death, disability, critical illness, chronic illness, and incapacitation. We can also assist you in obtaining a death benefit for your children, grandchildren or other family to provide a substantial legacy for your loved ones and to also ensure that your final expenses are covered. 
SEE US & SHARE US
SCHEDULE WITH US
15 MINUTE PERSONAL STRATEGY SESSION
A Personal, One-on-One Strategy Call To Determine Your Goals & Objectives
Go to the calendar to book a virtual one-on-one personal strategy call. We will chat for about 15 minutes to determine your goals and objectives, where you are today and where you want to be in the future. This call will help determine if you are a good fit for Thin Line Financial Group's services. 
NEED TO BOOK A SECOND APPOINTMENT?
Book Your Second Appointment Or Retirement Blueprint Call Here
If you would like to book a second appointment or a personal retirement blueprint call with your own income analysis, you can do so by clicking the button below. 
GROUP PRESENTATIONS
Book A Group Presentation
Thin Line Financial Group coaches would be happy to speak to a group. This can be for a private group or for a group of employees (with employer approval). We routinely give presentations at police departments, fire departments, schools, municipal buildings and other locations. Click below to reserve a slot. 
ATTENTION: FIRST RESPONDERS THAT ARE RETIRED OR WITHIN 10 YEARS OF RETIREMENT
Who Else is Going to Have Your "6" in Retirement?
The sad reality is that public sector pensions are not looked upon favorably by politicians or the general public. This coupled with pension funding deficits do not perpetuate feelings of hope and peace of mind for the future.

Now that your 25 year career has ended or is coming to an end, have you fulfilled your true passions? Are you working a second career that you truly love? Are you simply working at a job in order to supplement your income or to pay for costly retirement benefits?

What if you could supplement your pension with a second guaranteed, pension-like income stream that would last your entire life? That’s exactly what we are doing for our clients.

We have many options available for retired first responders and those that are nearing retirement to create supplemental retirement income streams using assets they already have, such as a 457b or an IRA. We all know that our pensions are not quite enough to sustain living expenses in retirement; and we see public employees now more than ever having to work second careers in order to make ends meet in retirement. We love the opportunity to help our brothers and sisters better plan for retirement and to ensure that they have adequate retirement income. Click below to learn more.
RECOMMENDED RESOURCES
Law Enforcement & First Responder Retirement Webinar
Learn How To Create a Second Pension in Retirement
As first responders, we know better than anyone that none of us have unlimited time. After a long and stressful career, how do you want to live out your remaining years? Do you want to be forced to work or spend time doing the things that you love with the people that you love? Learn how to be financially prepared to live the life you want in retirement. Wouldn't it be nice for money to not be one of your worries in retirement? 
Teacher's Retirement Webinar
Learn How To Get An "A+" In Retirement
The Thin Line family also has many teachers in it. We want to make sure our educators and school employees are equally as prepared and can also live the life that they want in retirement. This webinar shows teachers how they can supplement their pensions and create more guaranteed income for life. 
Life Insurance For New Jersey Police & Fire Pension Members
Get The Facts About Your NJ PFRS Group Life Insurance Benefits
Many police & fire pension members are under the impression that they have the same life insurance benefits in retirement that they did during their working years. In reality, these benefits are vastly different and provide significantly less coverage than what most families need. 
Article Library
Check Out Our Collection of Educational Articles
Learn about a variety of topics from retirement planning to educational wellness to estate planning and more - all tailored to YOU, the first responder. Educational articles for first responders by first responders. 
The Tactical Retirement Approach
Get Access Now To Start Your Tactical Retirement Plan. Click The Button Below To Enroll in This Digital Retirement Preparation Course That Was Created By First Responders For First Responders. 
Thin Line Financial Group
HQ: Berlin, NJ
WHO WE ARE
We help first responders and public employees increase their retirement income, supplement their government pensions, and achieve their financial goals. Click the icon to learn more.
FOLLOW US ON SOCIAL

CONTACT US
  856-739-4103
  gary@thinlinefinancialgroup.com
Thin Line Financial Group operates under The Downes-D'Alessio Group LLC. We educate clients on the benefits and utilization of several financial vehicles including but not limited to cash value insurance, annuities, and other asset accumulation tools. These products when structured properly, will add greater protection and peace of mind to your life and overall financial plan. Learn all you can about the living benefits of these products to enhance your financial assets and future outcomes in order to live a more abundant life. We do not give tax or legal advice and we recommend that all clients talk with a CPA or tax attorney for legal and/or tax advice. This information is  also not meant to replace individual financial, legal or tax advice. 
Thin Line Financial Group - @2022 All Rights Reserved