Pension elections · Retirement transitions · Long Island
Pension decisions are permanent. Lump sum versus annuity. Single life versus joint-and-survivor. When to start. How it all fits with Social Security and the 401(k). Camba walks every scenario with the math on the table. For teachers, cops, firefighters, nurses, and the MTA, LIRR, and hospital-system families behind the pensions. Camba Capital is a registered investment adviser in New York. Paid only by clients, by design. No commissions, in any direction.
What to expect on the call:
• A quick read on your current situation • Plain answers to your biggest questions • Clear next steps based on what your household actually needs
No pressure, no commitment. Just a straightforward conversation.
Dan Zimon
Series 7 · Series 66 · NYS Life & Health · NY Real Estate · Notary
Former portfolio manager and trader at Millennium, MS Discovery, and Zimmer Lucas Capital · Based on Long Island, New York
The pension decision
A steady monthly check for life, or a lump sum invested and compounded. Both paths can land you in a comfortable retirement. Which one is right depends on your household, not a rule of thumb.
Illustrative only. Not a forecast or a return projection.
Custody, oversight and registration
Camba Capital is a registered investment adviser in New York, CRD# 343145. Client assets are always held by an independent, SIPC-member custodian. Never by Camba. The custodial relationship is being finalized and will be disclosed in writing before any account is opened.
Where are you, right now
Pick the one that's closest. There's no wrong door. A first call is free and there's nothing to sign.
Optional, and free
Pension elections are permanent, and people do not all arrive at permanent decisions the same way. Some need every number on the table first. Some decide quickly and want to know they can live with it. PrinciplesYou is a free personality assessment built by Ray Dalio with psychologists Adam Grant, Brian Little, and John Golden.
Take it or skip it. Nothing on this site depends on it. Camba never sees your results and will not ask about them. If you find it useful, bring it to a conversation.
PrinciplesYou is operated by PRIOS, LLC and is not affiliated with Camba Capital. Camba does not receive your results, receives no compensation for this link, and pays none. Personality information is never used to determine investment recommendations or suitability.
Retirement plan analysis
The retirement analyzer runs a Monte Carlo simulation across the full horizon. Your accounts, your pension, Social Security claim age, and household expenses, and shows the range of outcomes a real plan has to defend against. Educational tool. Results are hypothetical and travel with a hypothetical-performance disclosure modeled on SEC Marketing Rule 206(4)-1(d), which Camba applies voluntarily as a New York state-registered adviser.
What the tool does
Educational only. Camba Capital is a New York registered investment adviser, CRD# 343145. Past performance is not indicative of future results.
How Camba works
Most retirement planning treats the pension as a rounding error on the 401(k). Camba inverts that. The pension, together with Social Security, is the income floor, modeled first under today's post-repeal rules, with survivor elections layered in. Only then is the investable portfolio sized and positioned to fill the gap, absorb the market shocks the pension can't, and create the flexibility a pension alone can't give you.
Lump sum versus annuity. Single life versus joint-and-survivor. When to start. How it all fits with Social Security, the 403(b), and a spouse's income. Camba walks every scenario with the math on the table. No product pitch at the end. Whether it's NYSTRS, NYCTRS, PFRS, ERS, LIRR, or a hospital system pension, the decision is irreversible and the stakes are a lifetime of income.
Run your pension election numbersLeaving a district, transferring to a new hospital system, retiring from the force, or cleaning up a stack of old employer plans. Once engaged by a client, rollover and pension decisions are reviewed under the fiduciary standard applicable to investment advisers, with tax-aware implementation as the default, not an upgrade, and assets held by an independent SIPC-member custodian, never by Camba.
See what your old 401(k) is costing youFee schedule
In plain dollars
On a $500K portfolio that's about $4,500 a year. On $1M, about $8,500. Billed in quarters, not all at once.
The network behind the firm
Camba Capital is not a CPA, an estate attorney, or an insurance broker, and the firm refuses to pretend otherwise. Instead, the firm coordinates with a vetted network of Long Island professionals so every household decision has the right specialist behind it. No referral fees. No revenue sharing. No commissions of any kind change hands.
Tax
CPAs and tax-aware coordination.
Coordination on multi-year Roth conversion ladders, capital-gains harvesting, RMD timing, and household-level tax-bracket management. Implemented with the household's existing CPA or, if there is no CPA in place, with a vetted Long Island specialist. For households with complex or concentrated positions, an independent tax specialist is brought into the planning conversation.
Estate
Trust and estates attorneys.
Referrals to local trust and estates counsel for wills, revocable trusts, healthcare proxies, and beneficiary reviews. Camba sits in on the working sessions to keep the investment side, the tax side, and the legal side moving in the same direction.
Insurance
Long-term care, life, and disability.
Independent review of existing policies and referrals to low-load or commission-free specialists for new coverage. Camba refuses to be the firm that tells a household it does not need long-term-care coverage just because the firm cannot sell it. The analysis is run on its own merits.
Real estate
Counsel, closings, and downsizing.
Referrals to LI real estate attorneys for downsizing, co-op transfers, and 1031 exchanges. The NY Real Estate license is held in-house, so the firm understands the dynamics of every closing the household is sitting across the table from.
Camba comes to you
Camba Capital is built for Long Island families across Nassau and Suffolk, from Garden City and Mineola in the west, through Hicksville, Plainview, Syosset, and Huntington, out to Smithtown, Commack, Stony Brook, and Port Jefferson. Teachers grading papers at 9pm, cops coming off the midnight shift, nurses between rotations. The meeting fits the schedule, not the other way around. Most clients have never had an adviser come to them. That is how it should work.
Next step
Camba walks through where you are, what matters most to you, and what your options look like. No pressure, no commitment. Just a straightforward conversation.