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Members with more than 5 years of service and more than 5 years away from retirement. 

New Year, New Savings: Strengthen Your Future Retirement

A new year is an ideal time to review your financial goals and consider additional savings options for your retirement future. While your ASRS pension provides a strong foundation for retirement, many members choose to enhance their long-term financial security with a supplemental savings plan.

To support members in this planning process, Nationwide Retirement Solutions, which offers a low-cost, low-fee 457(b) Supplemental Savings Plan for ASRS members, is hosting a series of live virtual educational meetings throughout 2026.

Budgeting For Retirement: Potential Health Insurance Costs

One common budgeting oversight we see from members planning their retirement is comparing their estimated future pension amount against their current monthly bills to see if they can afford to retire. The oversight? Focusing on what their bills currently are, not what their bills will be. This is especially true when it comes to health insurance costs – and even more so if you won't be 65 and Medicare-eligible when you retire.

Can I Borrow Against My Retirement?

Many members reach out to the ASRS hoping to borrow or withdraw funds from their ASRS account for many reasons, such as making a down payment on a home or supplementing household finances. Unfortunately, Arizona law does not authorize loans from ASRS pension accounts. As a result, active and inactive members are not permitted to borrow against or take partial withdrawals from their ASRS account.

Identifying Your Retirement Date

As you contribute to your ASRS retirement account, you may find yourself wondering, “When can I Retire?” There are actually a number of different combinations of criteria that can be used to determine when you’re eligible for “normal” ASRS retirement. Due to changes in law over time, a primary factor is your ASRS membership date.

Members who began contributing to the ASRS prior to June 30, 2011

If you began contributing before June 30, 2011, you are able to utilize the 80 points system.

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