CalPERS, CHP, Fresno Fire & Police, BRS — these aren't line items in our platform. They're the foundation. Avidity Journey is the only financial planning firm built specifically for the pensions, pay structures, and benefits packages of California's public safety and military professionals in the Central Valley.
No pitch, no pressure — just answers.
Readiness score across all 11 modules, built around your specific pension and pay system.
Most financial advisors are trained to plan for a private-sector worker who retires at 65 with a 401(k) and Social Security. That's not you.
You have a defined benefit pension — one of the most valuable retirement assets in America, and one of the least understood by financial professionals. You might retire in your early 50s. Your compensation includes components most advisors have never even heard of: EDWC for CAL FIRE, POST incentive for police, BAH and BAS for military, 457(b) access for state safety. Every one of these elements has specific tax treatment, specific pension interaction, and specific rules for retirement timing.
Generic advice doesn't just fall short here — it produces wrong answers. Wrong answers in financial planning cost tens of thousands of dollars, sometimes hundreds of thousands, over a retirement that could last 40 years.
We built Avidity Journey to close that gap, agency by agency.
Classic vs PEPRA, 3%@50 vs 2.7%@57, final comp rules — most advisors get these wrong. One error in the formula can cost you thousands per year in retirement income, for life.
EDWC, POST incentive, BAH/BAS, specialty pays — which count toward pension? Which are tax-free? Most advisors don't know. We model every component correctly.
Retiring at 50, not 65. Standard retirement calculators don't model 15-year healthcare bridges or 2% COLA caps. Your plan needs to be built for your actual timeline.
457(b) vs 401(k) is not the same conversation for a 50-year-old retiree. Most advisors conflate them. The distinction changes your entire withdrawal strategy.
Each of the six agencies below has a dedicated module inside Avidity Journey, with pension formulas, pay structures, and benefits tools built specifically for your world.
When you sign up and identify your agency, you unlock a dedicated module with four tabs built specifically for your world. Behind those agency-specific tabs sits the full Avidity Journey planning engine.
Your exact formula, your tier, your projected final comp. CalPERS, CHP, FPERS, BRS — all modeled correctly, not generically.
Base pay plus every premium your W-2 understates. EDWC, POST, BAH, BAS, specialty pay — counted and planned for.
Health plans, FSA/HSA, deferred comp, leave bank value, life insurance gap, umbrella coverage — the full picture.
Step progression, promotion timing, specialty assignments, 20-year career arc — so you can see what every decision costs or earns.
CalPERS Safety formulas, Fresno F&P's 2.5% × years, and state Safety schedules provide some of the most generous public pensions in America. A Classic Safety member retiring at 50 with 30 years of service earns 90% of final compensation — an unusual benefit that changes the planning calculus entirely.
Most Americans retire at 65+. California safety members often retire at 50. That 15-year gap before Medicare and the 9½-year gap before standard retirement account access create specific challenges: healthcare bridging, tax-efficient withdrawal sequencing, and income coordination between pension, deferred comp, and taxable accounts.
A CAL FIRE firefighter's EDWC. A CHP officer's 401(k) + 457(b) combo. A police officer's POST incentive. A Navy E-6's BAH and BAS. None of these appear cleanly on a W-2, and all of them significantly affect your real compensation and retirement picture.
California's public safety pension structures are subject to legislative evolution — PEPRA was a landmark change in 2013, and continued adjustments mean your plan needs to be built for today's law and flexible for tomorrow's. A generic advisor with a generic calculator can't do that. A platform built around these specific systems can.
California's public safety and military professionals have some of the strongest retirement foundations in the country — but only if the plan built around that foundation actually understands how the foundation works.
Full platform access with your agency-specific module. Self-directed financial planning at your pace.
Everything in Journey plus unlimited Zoom access to a fiduciary advisor who understands your pension system.
We are legally required to act in your best interest. We don't sell insurance products, we don't earn commissions, we don't push annuities to "replace" the pension you already have. If you've ever felt like an advisor was steering you toward a product instead of a plan, you already know why this matters.
We're not a Silicon Valley fintech. We're a Central Valley firm that understands the cost of living from Bakersfield to Fresno, the local housing market, and what it actually means to serve the communities you protect.
Every other financial app treats your pension as an afterthought. We built the entire platform around it. Your pension isn't a line item in our system — it's the foundation of your plan, and everything else is designed to complement it.
You've spent your career in service to California. Your financial future deserves the same care, the same plan, the same discipline.
Fiduciary. Fee-only. Built for the people who protect California.