The same pension,
two different lives.
Enter your numbers once. Camba will walk you through both paths — honestly, in plain English, without saving your information or selling you anything.
Pick your retirement system and Camba surfaces what's specific to it — tier structure, Final Average Salary calculation, the actual election menu (Maximum Allowance vs Option 1 vs J&S vs Pop-up), COLA mechanics, and Social Security coordination including WEP and GPO where they apply. NYSTRS Tier 6 doesn't look like NYSTRS Tier 4. NYCTRS has a TDA option no other plan has. RRB-LIRR replaces Social Security; it doesn't stack with it. The math depends on your plan; the calculator finally treats it that way. Five minutes, no account login. Results are illustrative and not a recommendation.
Educational tool only. Camba Capital is not yet registered as an investment adviser and is not currently providing advisory services. This calculator is for informational purposes only and does not constitute investment advice or a recommendation.
Next step
A pension election is irreversible. The decision deserves a real conversation.
Dan Zimon sits with Long Island households at the kitchen table to walk through pension packets line by line — including spousal-consent requirements, term-life replacement strategies, and how the choice interacts with the rest of the retirement picture.