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We all will be thinking about it one day.  Some prepare, some don’t.  

Long Term Planning

The one thing that never comes to mind is putting some money on the side.  401k is a foreign term to many who first start working for the company.  Some of your taxes are being put aside as a savings in the form of Social Security.  And the most important of the three is your pension.  Imagine a situation when you have put in the years with the company and you are ready to cash it in and retire.  Retiring is a reality for most in a few years and a term some of you who just started is a million miles away.


I know when I first started, I didn’t take the pension seriously or my 401K.  I was lucky enough to have a friend convince me to put five (5%) of my paycheck aside towards my 401k.  The money isn’t really missed if you consider the things you would waste it on.  Or if you are not wasting your money, then consider cutting back in order to save.  I will give any example and list a few states to give one the idea of how important to set some goals and understand that the union and company are giving one the opportunity to be comfortable after reaching that finish line.

Our Story

Since 1982 Halliday Financial has been providing full service, independent financial planning and investment advisory services. We have been supporting the Local 804 membership since 2011 and since that time have developed an expertise in both the benefits and the compensation packages unique to the Local 804 members.

The Finish Line

The finish line is possible, but some do not believe they will reach this finish line, because of the harassment and production If one understands the basic rules, then planning for retirement is easy.  What is important is understanding that you are truly in control.   Understand the rules, follow them, and then plan your future.  This is a simple formula.  Your working for a reason, reaping the benefits is the payoff.  Remember, at some point we all slow down and will want to enjoy life.  Fishing, BBQ, traveling, playing video games, etc.  Who really knows or cares, as long as you get to choose how to spend that time.  What is important is having the ability to spend it the way you want to.  Following the rules and planning gives you that security and ability to do so.

Tools for planning retirement

Planning for retirement is not easy when one has the attitude that they have all the time in the world.  Time is slow intially, then a little faster as the years go by.  Then the day comes when one thinks about the Ant and the Grasshopper.

Create your personal my Social Security account today

With your free, personal my Social Security account, you can receive personalized estimates of future benefits based on your real earnings, see your latest Statement, and review your earnings history. It even makes it easy to request a replacement Social Security Card or check the status of an application, from anywhere!

Teamster-UPS National 401(k) Tax Deferred Savings Plan

Living In America

Use the cost of living comparison calculator below to compare the cost of living in two cities. Simply enter your current income, select your current city, as well as the city you are relocating to and click calculate. The cost of living calculator will provide you with the equivalent income needed to maintain your current standard of living.

Living Abroad

America the beautiful.  So is the rest of the world.  Leaving the United States is easy, planning takes time.  How much does your dollar stretch in other countries?

Questions, Comments, and Suggestions

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The New 804: 21st Century Approach to Unionism