Increase Your Retirement Benefits | AT&T-Focused Planning

Financial Planning Complexities for AT&T Employees

We've worked with employees of AT&T for years, so we understand how your financial life is uniquely complex.

How does Mod 75 work at AT&T? How do you plan for retirement with an eye toward the benefits you'll receive through AT&T? And what approach should you take with your AT&T pension?

If you're asking yourself any of those questions, know that you're not alone. And if you have questions beyond those, we're here to help answer them.

Planning Specific to Your AT&T Benefits

Leveraging Your AT&T Pension

Understanding How Mod75 Impacts Your Retirement Journey

Adapting to Constant Changes to AT&T Staffing and Benefits

A Comprehensive Plan

We build financial plans for AT&T employees, providing clarity on when you can retire.

The AT&T Pensions

Should you take the lump sum or annuity? We have strategies specific to the AT&T pension that guide you to the best option for your situation.

AT&T Retiree Medical Plans

We help you understand the different coverage options, ensuring you're maximizing the benefits for your entire family.

Your Financial Advisor & Retirement Guide

We do more than develop your financial plan. We're beside you each step of the way and for every piece of retirement paperwork, including 401(k), Medicare, and Social Security.

How We Help AT&T Employees

For many AT&T employees, we understand there can be a gap between the information that AT&T HR provides and the information you need to fully comprehend the sum of the pieces of your benefits.

We're here to close that gap. And the purpose of our Farther Focus Team doesn't stop at simply building a financial plan around your career at AT&T.

We're your guide on each step of the journey. We go above and beyond to walk you through all the paperwork involved in retiring—healthcare, 401(k), and Social Security, just to name a few—so you can feel confident that no stone has been left unturned.

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How We Help AT&T Employees

For many AT&T employees, we understand there can be a gap between the information that AT&T HR provides and the information you need to fully comprehend the sum of the pieces of your benefits.

We're here to close that gap. And the purpose of our Farther Focus team doesn't stop at simply building a financial plan around your career at AT&T. We're here to be your guide in each step of the journey. We go above and beyond to walk you through all the paperwork involved in retiring — healthcare, 401k, and social security, just to name a few — so you can feel confident that no stone has been left unturned.

A comprehensive plan

We build a comprehensive plan for AT&T employees to give you clarity on when they'll be ready to retire

Lump sum vs. annuity?

We have strategies specific to the AT&T pension to guide you to the best option for your situation.

AT&T Retiree Medical Plans

We will help understand the different coverage options, ensuring that you’re maximizing the benefits for your entire family.

Your financial advisor & your retirement guide

We're not only here to develop your financial plan. We'll be beside you for each step and each piece of paperwork related to retiring, including 401k, Medicare, and Social Security.

A comprehensive plan
We build a comprehensive plan for AT&T employees to give you clarity on when they'll be ready to retire.
Lump sum vs. annuity?
We have strategies specific to the AT&T pension to guide you to the best option for your situation.
Your financial advisor & retirement guide
We're beside you each step of the way and for every piece of retirement paperwork, including 401(k), Medicare, and Social Security.
AT&T retiree medical plans
We will help understand the different coverage options, ensuring that you’re maximizing the benefits for your entire family.

AT&T Pension Basics

Prior to taking a job from any company, most employees want to know what benefits they will receive outside of their salary or hourly rate. When it comes to AT&T specifically, one of the main questions asked about AT&T retirement benefits is, "Does AT&T have a pension?" Below, we cover three of the main facets of AT&T pensions. We encourage you to reach out to our team if you have questions specific to your particular situation.

AT&T's Mod 75

When it comes to AT&T pensions, the Modified Rule of 75—often referred to as Mod 75—plays a key role in determining your retirement age. Contrary to the common misconception, Mod 75 works in multiples of five, and your age plus years of service needs to equal 75, unless you have 30 years of service.

Pensions: Craft & CAM

Depending on how long you've been with AT&T, there are different formulas to determine your pension payout. The Craft formula is more straightforward, while the CAM formula considers several factors, including the years of service prior to the end of 1999.

Pension Payout Options

There are three payout options for AT&T employees: Single Life Annuity, Joint Life Annuity (50%, 75%, or 100%), or a Lump Sum. Both of the annuity options are taxable as income, while the lump sum isn't taxed until withdrawn, but is subject to required withdrawals.

Our Team

Farther is built on the foundation of great people paired with exceptional technology. Led by experienced financial advisor Michael Lee, our Farther Focus Team is laser-focused on providing holistic wealth management and fiduciary advice specifically to soon-to-be retirees of large corporations like AT&T.

The Focus Team takes specialization farther. As a team that caters specifically to retirees, we enhance our offering by providing consultative services geared toward employees of AT&T. Each of our reps is well versed in the benefits packages of the company and helps our clients make the most of them. Planning sessions should feel like the intersection of HR and your financial advisor. We have decades of experience in this field and only provide this added level of service to select companies.

Manav Bhatia

Associate Vice President, Wealth Advisor

Retirement Planning for AT&T Employees: Pension, Mod 75 & Benefit Strategies

Financial Planning Complexities for AT&T Employees

A Comprehensive Plan

The AT&T Pensions

AT&T Retiree Medical Plans

Your Financial Advisor & Retirement Guide

How We Help AT&T Employees

How We Help AT&T Employees

A comprehensive plan

Lump sum vs. annuity?

AT&T Retiree Medical Plans

Your financial advisor & your retirement guide

A comprehensive plan

Lump sum vs. annuity?

Your financial advisor & retirement guide

AT&T retiree medical plans

AT&T Pension Basics

AT&T's Mod 75

Pensions: Craft & CAM

Pension Payout Options

AT&T Case Studies

After John was laid off from AT&T, we helped him navigate his retirement options, including the decision to delay taking his pension.

Qualified for retirement benefits, Phil used the expertise of our team to weigh his options for which year to retire in and how to structure his retirement income.

Planning for her retirement at some point in the next five years, Sherry leveraged ongoing consultations to decide when to retire and how she could make the most of her benefits.

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