In this video, financial planner and PERS specialist Ryan Earley breaks down how health insurance costs change for Mississippi public employees transitioning into retirement. He compares monthly premiums across active state plans, COBRA, the State Retiree Health Plan, the ACA Marketplace, and Medicare paired with secondary coverage. Discover how age, household income, and coverage choices impact your pre- and post-65 budget so you can retire with confidence.

Will your tax bill rise or fall after you stop working? In this video, Ryan Earley breaks down how federal, state, and local taxes shift when Mississippi public employees retire. Discover how Mississippi’s 100% retirement income tax exclusion, the elimination of FICA payroll taxes, and age 65 property tax breaks can save typical PERS households over $11,000 to $22,000+ per year in direct taxes—even while replacing 100% of pre-retirement income.

In this video, financial planner Ryan Earley breaks down how much monthly and annual income your Mississippi Deferred Compensation 457(b) account can generate in retirement. Learn how account balances, retirement ages (50 to 65), and Social Security claiming strategies impact your monthly paycheck.

In this video, Ryan Earley explains how a late-career promotion or extra-duty pay can permanently increase a Mississippi PERS pension, sometimes by hundreds or even thousands of dollars per month. He shows how the timing of the raise, your years of service credit, and how long you hold the higher pay before retirement all affect your lifelong monthly benefit.

In this video, Ryan Earley breaks down how Mississippi PERS and Social Security work together to replace salary in retirement. He shows how years of service, salary, and claiming age affect your “magic service milestone” and explains when fixed retirement income can match or exceed your working pay.

In this video, Ryan Earley breaks down how working one more year can affect your Mississippi PERS pension and Social Security benefits. He compares claiming ages 62, 67, and 70, shows where retirement growth flattens, and explains how to estimate your total income before deciding whether to stay on the job one more year.