How to Retire With Full Benefits Under PERS 2 (or PERS 3)!

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Want to retire with full benefits under Washington’s PERS 2 or PERS 3 system? In this video, we answer one of the most common questions: When can you retire without penalties? Topics include:

✅ Retirement Age for Full Benefits – Age 62 with 30+ years (hired before May 1, 2013) or 65 for newer employees.
✅ Early Retirement Penalties – How much will you lose if you retire early?
✅ Breaking Even vs. Working Longer – Is it worth delaying retirement, or should you take the money now?
✅ How Cost-of-Living Adjustments (COLA) Help – Why penalties aren’t as bad as they seem.
✅ The Retirement Green Light – How we run the numbers to ensure retirement success!
Many people work longer than necessary out of fear of penalties—don’t let misinformation keep you from retiring! Watch now to see if you’re ready to retire!

0:00 – Question – Who can retire with full benefits under PERS 2 & 3?
0:10 – Are PERS 2 & 3 the Same? – Key similarities across the two systems.
0:41 – When Can You Retire With Full Benefits? – Age 62 with 30 years (if hired before 2013) or age 65.
1:27 – Early Retirement Penalties Explained – Many fear penalties but take bigger cuts on Social Security without realizing it!
5:20 – COLA Adjustments & Future Benefits – Why penalties shrink over time.
6:16 – Should You Retire Early Anyway?
7:33 – How We Help Clients Decide When to Retire
8:06 – Final Thoughts – Your future depends on what you do today!
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DISCLAIMER
**Advisory Services offered through Intirety, LLC a registered investment adviser. Intirety LLC and Scenic Financial are not associated with the Washington State Department of Retirement in any way. Scenic Financial makes content available as a service to its clients and other visitors, to be used for informational purposes only. While our best intentions are to provide accurate and timely information, you should always consult with retirement, tax, and legal professionals prior to taking any action. 🕸️