Pension elections · Retirement transitions · Long Island
Clarity on the pension decision. Then a straightforward next step.
Pension decisions are permanent. Lump sum versus annuity. Single life versus joint-and-survivor. When to start. How it fits with Social Security and the 401(k). Camba puts the math on the table for teachers, cops, firefighters, nurses, and MTA, LIRR, and hospital-system families. Camba Capital is a registered investment adviser in New York. Paid only by clients. No commissions, in any direction. Start with a free 30-minute call with Dan. Evenings and weekends are open.
Households can call +1 (631) 802-2622.
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
Founder · Registered Investment Adviser in New York · CRD 343145
Pension election analysis, Social Security timing, and retirement planning for Long Island's pension families. More than a decade on the institutional side of the markets before opening the practice.
Paid only by clients. Sells no products. Based on Long Island, New York.
The pension decision
The same pension, two different lives.
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.
Fictional household walkthrough
A teacher’s retirement, step by step.
An invented Suffolk County household illustrates Camba’s planning process. This is not a client story or personal advice.
Scripted intake
Start with the goal
A teacher, 58, and spouse, 56, hope to retire together in three years. What would that mean for income if one spouse outlives the other?
Still to verify
Separate facts from assumptions
Current after-tax spending is corrected from $8,200 to $8,900 a month after including annual bills. The pension estimate, survivor option and health coverage still need checking. This is not yet a retirement budget.
Outline only
Research the options
Outline only
Prepare a draft
Outline only
Check it independently
Outline only
Address the findings
Outline only
Adviser decision
Outline only
Delivery and records
Steps 3 through 8 show the remaining process. None has been carried out for this fictional household.
Read the teacher exampleHave the first conversation.
Thirty minutes, no cost, no product pitch.
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, in the client's name. Never by Camba. Camba is not a custodian. The custodians Camba uses are identified in Form ADV Part 2A, Item 12.
- Independent third-party custody
- SIPC-member institutions only
- Camba never holds client funds
- Paid only by clients, no commissions, no product revenue
- Form ADV on file, CRD# 343145
Fee 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.
Next step
A simple 30-minute conversation to get clarity on your 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. The 30-minute call is with Dan Zimon. Camba's receptionist answers (631) 802-2622 and can schedule that call.