What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

American Pension and Retirement Services

Home
United States
Washington, MO
American Pension and Retirement Services

Book your free Retirement Strategy Session.

American Pension & Retirement Services provides personalized pension projections, 403(b)/457 guidance, retirement planning, life & long-term care insurance, and tax-free income strategies.

10/10/2026

Planning for retirement? Make your next chapter a confident one.
If you're a federal employee approaching retirement or already enjoying retirement, understanding your pension and retirement benefits can help you make more informed decisions about your future.
At American Pension & Retirement Services, we help you explore your retirement planning options and prepare for the next stage of life.
✓ Federal retirement guidance
✓ Personalized planning for your goals
✓ Support as you prepare for retirement
Your future matters. Let's start planning for it.
👉 Request your free consultation today.
🌐 https://federal.americanpension-retirement.com/
Retirement planning needs vary by individual. Consultation does not guarantee a particular financial outcome.

09/15/2026

If you have questions about your benefit tiers, survivor options, or supplemental retirement accounts, an independent review can provide valuable clarity. Pension systems are subject to legislative changes, cost adjustments, and varying tax rules that can be challenging to navigate alone. A structured pension analysis highlights strengths and identifies any gaps in your current trajectory. Schedule a review to get a transparent view of your numbers.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/14/2026

How do you know when you are truly financially and mentally ready to retire? True readiness means your guaranteed income covers essential expenses, your healthcare plan is established, your emergency reserves are funded, and your portfolio is aligned with your risk tolerance. Testing your numbers against different economic scenarios confirms whether your plan can withstand market fluctuations. Gauge your retirement readiness today.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/13/2026

Retirement is not just an end to work; it is an active beginning to your personal goals. Whether your priority is debt elimination, funding grandchildren's education, purchasing a vacation home, or leaving a charitable legacy, every goal requires a dedicated financial mechanism. Defining your personal goals helps align your investment allocations with what truly matters to you. Let’s bring your retirement aspirations into focus.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/12/2026

Transitioning from a working budget to a retirement spending plan requires categorizing essential needs versus discretionary wants. While daily commuting costs disappear, expenses tied to travel, hobbies, and leisure naturally increase in the early years of retirement. Creating a flexible, realistic budget allows you to spend confidently without fear of outliving your assets. Map out your retirement spending plan today.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/11/2026

Healthcare is frequently cited as one of the largest unplanned expenses in retirement. If you retire before qualifying for Medicare at age 65, bridging the insurance gap is a critical budget priority. Understanding bridge coverage, Medicare Part B premiums, supplemental policies, and long-term care needs protects your hard-earned savings from unexpected medical costs. Factor healthcare into your comprehensive retirement model.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/10/2026

A predictable income stream creates peace of mind in retirement. Relying solely on market returns can create stress during economic downturns, whereas anchoring your essential living expenses to guaranteed income sources offers reliability. Organizing your finances so that fixed expenses are covered by reliable payouts allows your discretionary funds to grow comfortably. Let’s evaluate the balance of your retirement cash flow.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/09/2026

In many states, educators do not pay into Social Security through their teaching positions, making them subject to federal rules like the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These provisions can substantially reduce the Social Security benefits you might expect from other private-sector work or a spouse's earnings. Factoring these offsets into your projections prevents unwelcome surprises. Learn how your state pension interacts with Social Security.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/08/2026

Understanding Social Security claiming rules is essential for total retirement planning. Claiming at age 62 results in a permanent reduction in your monthly benefit, while waiting until full retirement age—or up to age 70—significantly boosts your guaranteed payout. Understanding how cost-of-living adjustments (COLA) and spousal benefits work helps you decide the best claiming age for your household. Get clear on your Social Security potential.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

09/07/2026

The five-year mark before retirement is the critical ex*****on window. This is when you should conduct an audit of your estimated pension payments, eliminate remaining high-interest debt, and review your investment risk tolerance. Transitioning from wealth accumulation to capital preservation during this phase protects your portfolio against sudden market dips. Start your countdown with a focused plan.

Book Now!
https://api.leadconnectorhq.com/widget/bookings/thomasmurphycalendar?fbclid=IwY2xjawP6j0lleHRuA2FlbQIxMABicmlkETFHMTdmSWVrblFzd1BrOGYwc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqwBiTMt7lZMXSAACNVr7oXpPbONP7KzQ2a6vqMafzyx2vUaLoyjWBkDLxkp_aem_Bj4gfOn0lzKFhGg7L__xGQ

Address

901 W. 14th Street Suite #200
Washington, MO
63090

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://americanpension-retirement.com/

Alerts

Be the first to know and let us send you an email when American Pension and Retirement Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed accountant in Washington?