David Kazansky's Pension Page

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David Kazansky's Pension Page Independent pension consultant, expert, advocate, and educator. Former three-term NYCTRS trustee. 5th-grade public school teacher in the Bronx.

Visit KazanskyConsulting.com to book your private pension consultation.

10/14/2026

My first video on working after retirement got a lot of questions, so here’s Part 2.

What happens once you turn 65? What if you work for a private employer? What if you resign but haven’t started collecting your pension yet? And when might we find out whether New York’s temporary suspension of the earnings limit will be extended?

I’m answering some of the biggest questions from the comments in this follow-up.

10/12/2026

Join me Thursday, October 22 at 7 PM for a live Tier 4 pension workshop covering the original Tier 4 plan, 55/25, and both 55/27 plans.

We’ll break down contribution rates, vesting, regular and early retirement, age and service requirements, and much more.

If you’re Tier 4, make sure you understand the rules that apply to your plan.

Registration link is in my bio.

https://us06web.zoom.us/meeting/register/G0o6W2S_SpOGzDR7ahvRQw

10/08/2026

Here are 5 things I think every TRS member should check when their new ABS arrives this month.

Your 2026 TRS Annual Benefit Statement is more than just another document to file away.

It’s your chance to make sure TRS has the right information about your service, pension plan, account balances, and beneficiaries.

And if something doesn’t look right, don’t ignore it.

10/06/2026

Planning to work after you retire?

New York generally limits how much a public retiree can earn from City or State public employment before it can affect their pension. But there are important exceptions, including the 211 waiver and a temporary suspension of the earnings cap for retirees working in public schools and BOCES.

Here’s what retirees need to know about the $35,000 limit, the current exemption, and what could happen when it expires in 2027.

10/01/2026

Not every beneficiary on your TRS retirement application serves the same purpose.
One of the choices you’ll make when filing for retirement is who should receive your fractional payment.

A fractional payment is the portion of your monthly pension that you earned during the month in which you die, up through the date of your death. That amount is paid to the beneficiary or beneficiaries you designate.

And here’s where it can get confusing: your fractional payment beneficiary is different from someone you may designate to receive a continuing lifetime benefit after your death.

It’s a small part of the retirement application, but one worth understanding before you make your elections.

For personalized help understanding your TRS pension and retirement choices, visit kazanskyconsulting.com to learn more or book a consultation.

09/29/2026

Thinking about leaving the DOE before you’re ready to retire?

For Tier 6 members, when you leave service can affect when you’re allowed to start collecting your pension. Being vested doesn’t necessarily mean you can leave now and start collecting whenever you choose.

It’s an important rule to understand before making a decision you may not be able to undo.

I’ll cover this and much more at my Tier 6 Workshop on Thursday, October 1 at 7 PM.

Registration https://us06web.zoom.us/meeting/register/n7oaDeKATc627BTVfvjkag

09/23/2026

I’m proud to introduce Kazansky Consulting, my independent pension consultation service for UFT, CSA, and PSC-CUNY members of the New York City Teachers’ Retirement System.

These consultations are designed to go beyond a basic pension estimate. We’ll look at your individual situation, examine the numbers, discuss the choices ahead of you, and make sure you understand what they mean for your retirement.

I’ll do the analysis before we meet, so our time together can be spent focusing on what matters most to you. Afterward, you’ll receive a detailed personalized report covering the numbers and scenarios we discussed.

Whether retirement is around the corner or still years away, the goal is simple: understand your pension and plan your path to retirement.

Learn more and schedule your consultation at KazanskyConsulting.com.

09/21/2026

Tier 6 can be complicated, but understanding how it works shouldn’t be.

On Thursday, October 1 at 7 PM, I’ll be hosting my first pension workshop of the school year, focused entirely on Tier 6.

We’ll break down the rules, the good, the bad, and what it all means for your pension and your eventual retirement.

Whether you’ve been in Tier 6 for years or you were just enrolled in TRS, this is a chance to better understand what you’re building toward.

https://us06web.zoom.us/meeting/register/n7oaDeKATc627BTVfvjkag

09/15/2026

Your TDA isn’t the only voluntary retirement savings option available to NYC public school employees.

The NYC Deferred Compensation Plan offers both a 401(k) and a 457 plan, and there’s one important feature of the 457 that TDA members should know about: it has its own separate contribution limit.

So if you’re already maxing out your TDA, or simply want to understand what other retirement savings options are available to you, the 457 is worth knowing about.

Check out the NYC Deferred Compensation Plan website to learn more about the 401(k), 457, contribution limits, and plan rules.

https://www.nyc.gov/site/olr/deferred/dcphome.page

09/10/2026

🍎 Welcome back, NYC Public School Employees!

And a special welcome to everyone starting their first year in the system.

Retirement may be the last thing on your mind right now, but a few decisions you make at the beginning of your career can have a major impact down the road.

If you’re a new NYC Teachers’ Retirement System member:

✅ Create your TRS online account when you receive your membership information. Get familiar with it and check it throughout your career.

✅ Learn about and consider contributing to your TDA. It’s another TRS retirement savings plan that can become an important source of income in retirement. Even starting small can give your money years to grow.

✅ Start learning about your pension now. You don’t need to become an expert overnight, but the earlier you understand how your benefits work, the better prepared you’ll be to make decisions throughout your career.

That’s what this page is here for. I’ll continue sharing information about pensions, retirement, the TDA, and the decisions NYC educators face along the way.

Whether today is your first day, another year in the middle of your career, or the beginning of your final year before retirement, I hope you have a great school year.

Welcome back! 🍎

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51 S Pearl St
Albany, NY
12207

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