WASHINGTON'S ONLY SCENARIO-BASED LEOFF PENSION PLANNING RESOURCE
What Washington's Sheriffs and Police Chiefs Need to Know About Their LEOFF 2 Pension in 2026
Washington State just passed HB 2034 — a sweeping change to the LEOFF pension system that most officers haven't heard about yet. If you're a sheriff, police chief, or senior officer within 10 years of retirement, this affects you. This site exists to explain what's happening, what your real options are, and why the decision you make at retirement is the single most permanent financial choice of your career.
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The Problem With Your Pension Form
Most LEOFF 2 members are handed a retirement packet with three choices. What almost nobody tells you is that there's a fourth option — one that can protect your spouse, preserve your income, and leave something for your family. It's called the Pension Shield Option™. It's not on the form. It should be.
Who This Site Is For
Active LEOFF 2 members within 10 years of retirement
Retiring police chiefs and sheriffs navigating pension elections
Command staff advising officers on retirement decisions
LEOFF Plan 1 members affected by HB 2034
What HB 2034 Means For You
  • HB 2034 passed the Washington State House on February 14, 2026
  • The bill terminates LEOFF Plan 1 by June 30, 2029
  • It transfers approximately $2.5 billion from the LEOFF 1 fund
  • Member notification deadline: June 10, 2026
  • No private modeling tool currently exists to show you what this means for your specific situation
  • The DRS estimator is static — it cannot model scenarios
Featured Resource
The Pension ShiThe Pension Shield Option™
The Pension Shield Option™ — the book written by Jim Lusk, CFP®, CLU®, ChFC®, CLF®, M.Ed. and George McReynolds, CFP® — is the definitive guide to maximizing your public safety pension while protecting your spouse and your legacy. Click below to download your complimentary copy instantly.eld Option™
This content is provided for educational and informational purposes only. It does not constitute financial, legal, or investment advice and should not be relied upon as such. No advisor-client relationship is created by accessing this content. Consult a qualified financial advisor before making any pension decisions.
Retirement Nationwide, Inc. | Jim Lusk, CFP®, CLU®, ChFC®, CLF®, M.Ed.
PensionShieldOption.com | leoff2retirement.com
Educational and informational content only. Not financial, legal, or investment advice. No advisor-client relationship is created by accessing this site. Consult a qualified financial advisor before making pension decisions.