The Pension Triple Play: A Washington Retiree’s Guide to Having it All

Every day, public employees across Washington and Idaho face a stark choice:

Maximize monthly pension income or protect their spouse. This false dilemma has cost retirees millions in lost income and missed opportunities. There’s a better way.

Understanding the pension triple play strategy

Like a well-executed baseball play, timing and coordination matter. The pension triple play combines three critical elements:

1. Maximum immediate pension income
2. Comprehensive survivor protection
3. Growing family wealth

Why traditional pension advice falls short

Standard pension guidance typically suggests:

• Take reduced payments for survivor benefits
• Accept fixed income without growth potential
• Choose between income now or protection later

This approach ignores modern financial tools and strategies that can achieve multiple objectives simultaneously.

Protection without compromise

The pension triple play creates three layers of security:

1. Full monthly income during retirement
2. Protected survivor benefits
3. Growing family wealth independent of pension

Building equity while maintaining security

Unlike traditional pension decisions that lock you into a single path, the triple play strategy creates:

• Accessible wealth for unexpected needs
• Protection against inflation
• Flexibility to adapt to changing circumstances
• Legacy potential for future generations