Serving Those Who Serve: Financial Planning for Los Angeles Police & Firefighters

Sep 19, 2025

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Ajay Vadukul, CFP®

For the men and women of the Los Angeles Police Department and Fire Department, service is more than a job—it’s a calling. At Endeavor Advisors, we feel the same about the work we do with our first responder community. This is not just a career for us. It’s personal.


Why We Care So Deeply


My family is part of the LAFD. We live here in Los Angeles. We see firsthand the sacrifices made—long shifts, unpredictable schedules, holidays missed, and the daily courage that comes with serving this city. Supporting our first responders isn’t something we do from a distance; it’s woven into our lives.


We proudly take part in the Lane Kemper Softball Classic, Christmas toy drives, fire station sponsorships, the LAPD Walk for Mental Health, and the Salute to Firefighters Festival. These aren’t just events on a calendar—they’re opportunities to give back to the people who give everything to our community.


Why First Responders Need Specialized Financial Planning


Financial planning for police officers and firefighters in Los Angeles is different. The unique career paths, benefits, and retirement structures require deep expertise. This isn’t a one-size-fits-all approach.


Here are just a few of the big questions we help first responders navigate:

  • Maximizing Pension Options. With some of the most robust pensions in the country, knowing how to optimize these benefits can make or break retirement planning.


  • DROP Program Decisions. Should you enter? If so, how long should you stay? These decisions impact income, taxes, and long-term security.


  • Early Retirement Planning. Many first responders retire earlier than the general workforce. That brings unique challenges—bridging healthcare gaps, replacing income, and maximizing longevity.


  • Tax Efficiency. From overtime-heavy paychecks to deferred compensation, first responders often face steep tax burdens. As Certified Financial Planners and Enrolled Agents, we specialize in minimizing that impact.


  • Investment Strategy. Building wealth beyond pensions and deferred compensation ensures flexibility and growth for the future.


  • Family Protection. From insurance to estate planning, we make sure loved ones are cared for if the unthinkable happens. Peace of mind matters.


Why We’re Different


A lot of so-called “advisors” in this space focus only on managing investments. That’s a small slice of the pie. We take a different approach.


At Endeavor Advisors, we provide comprehensive financial planning from the ground up. We don’t just manage assets—we design full financial roadmaps that cover pensions, taxes, insurance, estate planning, retirement timing, and every detail in between. Our role is to make sure nothing falls through the cracks, so our first responders can focus on living their lives instead of worrying about money.


Our Experience in Action


Over the years, we’ve guided hundreds of first responders through these very situations. The result isn’t just numbers on a page—it’s clarity, confidence, and the freedom to live life fully, knowing their financial house is in order.


More Than Money


For us, this work is about more than financial plans. It’s about walking alongside those who risk their lives daily. It’s about honoring their service by protecting their futures.


We don’t just serve clients. We serve a community we are proud to be part of. Helping Los Angeles police officers and firefighters isn’t simply our profession—it’s our mission.


Disclosure: The views expressed herein are exclusively those of Endeavor Advisors, LLC (‘EAL’), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. EA portfolios may contain specific securities that have been mentioned herein. EAL makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

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2801 E Camelback Rd,
Suite 202
Phoenix, AZ 85016

25 S Arizona Pl

5th Floor,
Chandler, AZ 85225

3655 Torrance Blvd

3rd floor,

Torrance, CA 90503

Let's Talk

See how we can help you live your best life in retirement

2801 E Camelback Rd,
Suite 202
Phoenix, AZ 85016

25 S Arizona Pl

5th Floor,
Chandler, AZ 85225

3655 Torrance Blvd

3rd floor,

Torrance, CA 90503

Let's Talk

See how we can help you live your best life in retirement

2801 E Camelback Rd,
Suite 202
Phoenix, AZ 85016

25 S Arizona Pl
5th Floor,
Chandler, AZ 85225

3655 Torrance Blvd
3rd floor,
Torrance, CA 90503

Our team of experts is ready to discuss your needs and tailor a solution that works for you.

Testimonials were provided by current clients of Endeavor Advisors. The clients were not compensated, and no material conflicts of interest exist that would impact any of these testimonials, client testimonials are not representative of the experiences of all Endeavor Advisors clients and do not provide guarantee of future performance or similar services.​Check the background of your financial professional on FINRA's BrokerCheck.​There are no warranties implied.


The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not alliliated with the named representative, broker - dealer, state - or SEC - registered investment not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.​ Read Full Disclosure >


Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.​The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of the information provided at these websites.​Copyright © 2024 Endeavor Advisors LLC. All rights reserved.

Our team of experts is ready to discuss your needs and tailor a solution that works for you.

Testimonials were provided by current clients of Endeavor Advisors. The clients were not compensated, and no material conflicts of interest exist that would impact any of these testimonials, client testimonials are not representative of the experiences of all Endeavor Advisors clients and do not provide guarantee of future performance or similar services.​Check the background of your financial professional on FINRA's BrokerCheck.​There are no warranties implied.


The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not alliliated with the named representative, broker - dealer, state - or SEC - registered investment not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.​ Read Full Disclosure >


Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.​The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of the information provided at these websites.​Copyright © 2024 Endeavor Advisors LLC. All rights reserved.

Our team of experts is ready to discuss your needs and tailor a solution that works for you.

Testimonials were provided by current clients of Endeavor Advisors. The clients were not compensated, and no material conflicts of interest exist that would impact any of these testimonials, client testimonials are not representative of the experiences of all Endeavor Advisors clients and do not provide guarantee of future performance or similar services.​Check the background of your financial professional on FINRA's BrokerCheck.​There are no warranties implied.


The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not alliliated with the named representative, broker - dealer, state - or SEC - registered investment not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.​ Read Full Disclosure >


Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.​The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of the information provided at these websites.​Copyright © 2024 Endeavor Advisors LLC. All rights reserved.