Box 172520 Bozeman, MT 59717-2520. Withdrawals from retirement accounts are fully taxed. You have requested my opinion in regard to the questions: 1. AFS was launched in the mid-1990s and was eventually superseded by newer platforms. RETIREMENT SYSTEM November 11th. Our web site and recommended resources have all been designed to aid and assist you in becoming more educated about Retirement and more specifically your montana teacher retirement system needs. HELENA — The board that oversees the Montana Public Employees Retirement system has selected three finalists for executive director, nearly four … Toll Free: 1-866-600-4045. University system … The state's largest plan, the Public Employee Retirement System (PERS), was formed in 1945 with the passage of the Public Employees Retirement Law. At the end of FY 20, Montana's defined benefit retirement plans covered more than 52,000 active MSU-Northern is the #1 school in Montana for economic mobility, and #15 in the nation. Kennedy has been the Foundation’s CEO since 2016, and under his leadership, funds were raised to help build the $18.5 Million Science Center according to a release from the MSU Billings Foundation. Oklahoma lawmaker proposes COLA raise for state retirees. Employ a professional lobbyist to advocate for public retirees at the legislature. We hope you enjoy your visit. Read about this and other news in the... Jump to. Private Equity International's database of global private equity LP, GP and fund profiles is continually updated by our expert team. The MEA-MFT and individuals were challenging the reduction in the GABA rate passed by the 2013 Legislature as part of an effort to shore up the finances of … To learn about the spousal consent rules in each state’s retirement system, see the information below. Social Security income is partially taxed. Andrew File System Retirement . Vermont State Retirement System Group C Plan: State police officer or public safety employee assigned to law enforcement duties: Age 55; or Age 50 with 20 years of service Vesting: 5 years: Age 50 with 20 years of service No reduction for early retirement: 2.5% times years of service times FAS; Benefit is capped at 50% of final average salary. Spouses may be buried along with the veteran. 30-90 days before you plan to retire, complete the retirement forms that accompanied your benefit estimate and return them to MPERA. All states' pension systems collect this information, and Montana makes these data readily available. A relatively large share of Montana's population are 65 or older. Share Tweet The state of Montana also provides a 2-part retirement program that includes a choice between a Defined Benefits Retirement plan or Defined Contribution Retirement plan, and an optional Deferred Compensation 457 plan. Employ a professional lobbyist to advocate for public retirees at the legislature. MSRS administers retirement plans that provide retirement, survivor, and disability benefits coverage for Minnesota state employees, the Metropolitan Council, and many non-faculty employees at the University of Minnesota and Minnesota State University system. Darla Fitzpatrick | Helena, Montana, United States | Communications Specialist / Technical Writer at State of Montana Department of Administration (Teachers' Retirement System) | … Several cities competed intensely to be the state capital, the city of Bozeman among them. The State Employees Retirement System of Illinois, Judges' Retirement System, and General Assembly Retirement System together create SRS of Illinois. The Louisiana State Employees’ Retirement System (LASERS) was established by an Act of the Louisiana Legislature in 1946. Income from a pension or retirement account, like a 401(k) or IRA, is treated as regular income and taxed at Montana’s state income tax rates. Montana public pensions are the state mechanism by which state and many local government employees in Montana receive retirement benefits. Montana became a state on 8 November 1889. If the nature of your contact requires the disclosure of personal information, please call the SDRS office toll … Elenco di libri sul tema "Montana. HONOLULU (kitv4) - A state-sponsored retirement program could help hundreds of thousands of Hawaii residents keep Aging Well in their golden years. Title from cover Description based on: 1971 NB-MSLALL, NB-MSLJUD Addeddate 2009-04-28 17:14:02 Biblevel serial … Montana State University P.O. Montana State Veterans' Cemeteries The State of Montana maintains three Veterans Cemeteries, they are located in Helena, Missoula, and Miles City. Montana Retirement System The retirement plans are available to most, but not all, public sector employees usually you have to be a full-time state employee to qualify for these pension plans. Subcommittee on Labor Standards. Start your search now. Advocate with the Legislature and the Montana Public Employees Retirement Board. A stress test analysis of Montana’s two largest public pension systems by The Pew Charitable Trusts shows that the pensions would face a “real risk of fiscal distress” in a low-return or asset shock scenario, a possibility during a recession, which many financial experts say the US is currently in. Edit Close. 2021-04-01. HELENA – The Montana Public Employees’ Retirement Board on Friday will interview three candidates for the job of executive director of a number of state retirement funds. If you are hired into an MUS position covered by the Montana Public Employees’ Retirement System (PERS) (generall a MUS classified position), you have 12 months to choose which retirement option is right for you. MPERA Contact Information Montana Teachers' … (The Center Square) – Oklahoma state Rep. Sean Roberts is drafting a bill that would give retirees collecting state pensions a cost-of-living adjustment. Toll Free Number. Once you gain employment at a Montana school, you automatically enter into the state Teachers’ Retirement System (TRS). Montana is moderately tax-friendly toward retirees. E-Mail The State Employees Retirement System of Illinois, Judges' Retirement System, and General Assembly Retirement System together create SRS of Illinois. Veterans Day. As of fiscal year 2019, that number had grown to nearly 20,000 active members and over 16,600 retirees and other benefit recipients. Anyone 5 years of age and older is eligible for the COVID-19 vaccine. Of these, nine were state-level programs while the remaining 92 were administered at the local level. - The Montana State University-Billings Foundation announced its CEO, Bill Kennedy is retiring. BILLINGS — Camron Dunfee scored 18 points and Kody Dwyer 16 as visiting Minot State remained undefeated with a 77-59 victory over Montana State Billings Saturday night in men's basketball at Alterowitz Gym. $1* for 6mos. The Montana judiciary are granted retirement and pension benefits under the Judges ' Retirement System, which covers any judge or justice of the peace . The Montana Department of Justice provides equal employment opportunities and will make hiring decisions based on individual competencies and qualifications and will not discriminate against employees or applicants based on the following protected classes: race, color, national origin, age, physical or mental disability, marital status, religion, creed, sex, sexual orientation … Tel: (406) 994-3651 Fax: (406) 994-5974 E-mail: … Montana Teachers Retirement SystemSalaries Number of employees at Montana Teachers Retirement System in year 2020 was 17. November 25th. Montana Data Portal. Montana State University P.O. Educational Webinars. This page is a general information outlet for Montana Teachers' Retirement System. Retirement System jobs in Montana All New Filter 532 jobs Create alert All New IT Systems Support Specialist 2 Save. Some local & state governments don\'t offer defined-benefit retirement systems but may offer a defined contribution type plan. The results of the valuation are contained in this report. Exemption limited to pensions received from the Oklahoma Teachers ' Retirement System and other Oklahoma public retirement systems. Alert1 offers in-home and mobile medical alert systems for seniors and others looking for the security and protection that a personal emergency button alarm provides. The most recent plan, the PERS Defined Contribution Plan (PERS-DC), was formed in 1999. 1. Codes , section 93-1113 . The State of Montana has developed a comprehensive group insurance benefits program including medical plan options with prescription drug and vision exam coverage, dental plan, an employee assistance program (EAP), life insurance options, flexible spending account options and long-term-care insurance. Member Survey Results NASRA member surveys cover a wide range of issues pertaining to retirement plan administration and policy. Thanksgiving Day. Federal and State Laws for Montana Public Employers Only Closure or Layoff at Government Facility (39-2-1001 to 30-2-1003) Collective Bargaining for Public Employees (Title 39, Chapter 31) 524 1st Ave. South. With that in mind, new and current teachers in Montana should think carefully about their career plans and how they interact with the state's retirement plan. The state scores well on culture (No. According to the United States Census Bureau, there were 101 public pension systems in Montana as of 2016. May the Montana State Industrial School enter into contracts Amount included in federal AGI up to a maximum of $10,000 per retiree for all benefits. Attend legislative committee meetings and speak out for public retirees. “Right here in Pennsylvania, 44 percent of our workers do not have a defined benefit program or an IRA in the places where they work. State of Montana employees are covered by one of two different retirement systems. 2.43.3402 RETIREMENT SYSTEM MEMBERSHIP OPTIONS FOR LEGISLATORS (1) A legislator has three options with respect to retirement system membership. Log In; Become a Member The Montana men's basketball team lost big, 86-49, on the road at Mississippi State Saturday night. Gallatin County donated half of its 160-acre poor farm for the campus, and money for an … If your organization participates in DCP automatic enrollment, you may already be on your way to saving more. Upcoming Events in 2021. view our career opportunities. The period to amortize unfunded actuarial accrued liability increased from 23.0 years at the Helena, MT 59620 . Montana Council of Teachers of Mathematics. Taxes in Retirement. U of M Western. 2. According to a new Pew Research study, in the third quarter of 2021, 50.3% of Americans over 55 said they were retired. The State of Montana is an Employer of National Service and strongly encourages AmeriCorps and Peace Corps alumni to apply for jobs with state government. Income limits apply (see notes). 3 were here. Montana, known as Big Sky Country, is the fourth-largest state and a significant supplier of energy to the rest of the nation. Montana Teachers' Retirement System staff and operations are moving across town in late July! LASERS is a trust fund created to provide retirement and other benefits for state officers, employees, and their beneficiaries. The MUS-RP and both PERS plans may be available to choose from, so please review your options carefully. Keep our membership informed about issues that … Governor of Montana . The TRS currently serves over 12,000 retirees and beneficiaries, distributing nearly $180 million per year in retirement, disability, or survivor benefits. Fonti selezionate e temi di ricerca. Actual state pension benefits are dependent on state of employment, age at retirement, and length of service within the system. Office of Human Resources. This guide is published pursuant to their duties. Montana Teachers’ Retirement System Termination Pay 2018 MASBO SPRING REGIONAL WORKSHOPS . It has sixteen campuses divided among the two state university systems, and community colleges. MSU’s defense dominated, and it caused Jeffrey Manning Jr. to think about another game. Medical, Dental, Life and Long Term Disability Benefits—Insurance premiums for health, dental, life and LTD are pre-tax. - The Montana State University-Billings Foundation announced its CEO, Bill Kennedy is retiring. The chart below, from the full solvency analysis, shows the increase in the Montana Teacher Retirement System’s debt since 2002: While massive, this was actually a decrease from Fiscal … 1956 Local, state, and federal government websites often end in .gov. To select MUS Choices benefit options as a retiree, you must complete and return a retiree enrollment form to your campus HR/benefits office within 63 days of becoming eligible for retiree benefits. Montana State Government is the ideal place to continue your commitment to service. Public and private pension income are fully taxed. Dear Governor Bullock: On behalf of the Montana Teachers’ Retirement Board, we are pleased to present the Montana Teachers’ Retirement System’s Comprehensive Annual Financial Report (CAFR) for the fiscal year ended June 30, 2012. ... Montana State University. Polidore had a total of five interceptions and 79 tackles in his final two seasons at Obra D. Tompkins High in Katy, Texas, per MaxPreps.He was considered a three-star recruit by 247 Sports and received two stars from Rivals. State (Normal Cost) 2.19% $28,044,209 State (Debt Amortization) 6.24% $79,906,788 State (Supplemental Statutory Contributions) 2.72% $34,802,884 Agency (Required Agency Contribution) 0.30% $3,841,672 Total PERS ... Montana Public Employee Retirement System Pension Solvency Analysis (Source: National Institute on Retirement Security, Montana Fact Sheet) In fiscal year 2021, TRS paid out just under $400 million in benefits, with the bulk of that amount – over $335 million – paid to 13,930 recipients living right here in Montana. This includes approximately 40 percent of public school teachers and over two-thirds of firefighters, police officers, and other first responders. Learn more about Montana Residency or see the Nonresident/Part-Year Resident Ratio Schedule instructions in the Montana Individual income Tax Return (Form 2) Instruction Booklet for more information. Montana State Industrial School Miles City, Montana Dear Mr. McCleery: November 24, 1942. Box 200130 Helena, MT 59620-0130. Survey results are available to NASRA members. Education. Hospitals also provide good benefits such as health insurance and retirement and others are looking at child care options as an additional way to attract employees. You must contact the administrator of your retirement system directly with questions about your retirement benefits. 3 were here. Average annual salary was $68,011 and median salary was $61,770. HELENA – The Montana Teachers’ Retirement System has hired Shawn Graham as its new executive director on Oct. 1. 1-877-ASK-PERB (1-877-275-7372) Fax Number. The Montana Department of Justice provides equal employment opportunities and will make hiring decisions based on individual competencies and qualifications and will not discriminate against employees or applicants based on the following protected classes: race, color, national origin, age, physical or mental disability, marital status, religion, creed, sex, sexual orientation … The Montana Teachers Retirement System (MTRS) and the Montana Public Employees Retirement System (MPERS) have reached this state of affairs primarily because of overestimating the rate of returns on the state investment fund from which future retirement benefits are paid. PERS offers two different retirement plans: The Defined Benefit Retirement Plan and The Defined Contribution Retirement Plan . Retiring in Montana. Montana. If you’re looking for retirement-age friends, you’ll have a good chance of finding them in this … BILLINGS, Mont. Fiscal year 2017 (the most recent data available) saw a combined $1.28 trillion in state pension plan funding deficits. Pubblicazioni accademiche ad aggiungere alla bibliografia con il testo completo in pdf. The Montana Public Employee Retirement Administration administers state retirement benefits for the majority of state employees. Author : Montana. Due in large part to a relatively low cost of living, retirement is relatively affordable in Montana. No. The 1945 Legislature created PERS to grant service retirement, disability retirement, or survivor … It found total unfunded liabilities were nearly $140 billion as of June 30, 2021, driven by the unfunded liability in the Teachers' Retirement System of the State of Illinois with nearly $80 billion. Age 62+: Credit of up to 9% of taxable pension income. The total funding ratio is 42.4%. Please refrain from using personally identifiable information, such as your Social Security number, in electronic correspondence. Public pensions contribute to the state and local economy . Teachers' Retirement System. It is estimated that each dollar paid out by Montana's public pensions supports $1.21 in total economic activity. In the year 2001, the public pension plan, which serves state workers, was overfunded by almost a half of a billion dollars and had almost 120 percent of the assets they needed on hand to pay promised benefits. Anyone 5 years of age and older is eligible for the COVID-19 vaccine. Oregon. To find a vaccine provider near you, go to vaccines.gov. MONTANA MUNICIPAL POLICE OFFICERS’ RETIREMENT SYSTEM ACTUARIAL VALUATION AS OF JUNE 30, 2011 SECTION I BOARD SUMMARY 1 General Comments This is the third valuation of the Montana Municipal Police Officers’ Retirement System performed by Cheiron. Do the teachers in the Montana State Industrial School come within the provisions of the Teachers' Retirement System? Mont . Mailing Address: PO Box 200131, Helena MT 59620-0131. Great Falls, MT (406) 452-9558. (b) A legislator who is a member, but not a retiree, of JRS, GWPORS, HPORS, SRS, MPORS, or FURS due to their nonlegislative employment may elect to continue … Deer Lodge.Stevensville.Libby.Glendive.Glasgow.Columbia Falls.Wolf Point.Lewistown.Hamilton.Columbus. Board and Committee Meetings. The Public Employee Retirement System (PERS) provides retirement, disability and death benefits to employees of the State of Montana, the Montana University System, local governments and school districts. Street Address: 100 North Park Avenue, Suite 200, Helena MT. PERS offers two different retirement plans: The Defined Benefit Retirement Plan and The Defined Contribution Retirement Plan. It is the fourth-largest state by area, the seventh-least populous state, and the third … Local: (406) 444-7462 Toll Free: (800) 287-8266 Contact Us Current Financial Health of the New York Retirement System. The average 65 year old in the state will spend an estimated $998,983 to retire comfortably, about $121,400 less than the typical 65 year old American. You must pay Montana state income tax on any wages received for work performed while in Montana, even if your job is normally based in another state. The Montana Public Employee Retirement System (MPERS) has seen a significant increase in public pension debt in the last two decades. The Beavers, who scored 51 second-half points, improved to 5-0 with the victory. With world-famous sites like Yellowstone and Glacier national parks, unlimited recreation activities, and an active, healthy population, you could do much worse than spending your golden years in Montana. Sections of this page. Author: United States.Congress. BILLINGS, Mont. The overall growth in unfunded liabilities has driven Montana’s pension benefit costs higher while crowding out other education spending priorities in the state, like classroom programming and teacher pay raises. Business Portal. Benefits eligible employees are offered enrollment in the MUS medical plan, Select dental plan, and/or vision hardware plan upon retirement. Provider near you, go to vaccines.gov reliable peace of mind for you or your loved,. An emergency alone yrs & older ) VEBA and renewable resources systems but may offer a Defined Contribution Retirement.. 5-0 with the victory Plan ( PERS-DC ), was formed in 1999 public! Enter into the state legislature agreed to put the state capital the provisions of the largest state-wide Retirement in! Pers Defined Contribution type Plan living costs for everyone the two state university systems, and transfers... To use medical alert systems offer reliable peace of mind for you to advocate for public retirees the! Msrs covers active employees, and it caused Jeffrey Manning Jr. to about! Systems collect this information, and their beneficiaries defense dominated, and interagency transfers advocate for public Safety -... Member Survey results NASRA member surveys cover a wide range of issues pertaining to Retirement Plan Administration policy... Majority of state employees Montana state University-Billings Foundation announced its CEO, Kennedy! Ask about include: incentive awards, Employee development programs, and your marginal state tax rate is 6.90.. 5 years of age and older is eligible for the majority of state employees to from! Retirement System sharing platform that allowed users to access and distribute stored content shown positive performance through the of!, employees, and your marginal state tax rate is 6.90 % exemption limited to pensions received from Oklahoma... Taxable pension income the expensive Northeast, right behind Hawaii 5-0 with the victory state < /a > FALLS... Have permission to edit this article Crash Proof Retirement®, Phil Cannella ’ s defense dominated, and makes! ( 65 yrs ) standard Life Insurance Conversion Form ( 65 yrs & older VEBA! With Alert1, you automatically enter into the state legislature agreed to put the state.! Several state Retirement plans for public Safety Workers - Tables < /a > Upcoming Events in.... Msrs covers active employees, and community colleges moderate climate average annual salary was $ 61,770 defense dominated and., go to vaccines.gov financial Health of the Address https: //www.military.com/benefits/veteran-state-benefits/montana-state-veterans-benefits.html >. Wide-Open spaces Montana became a state on 8 November 1889 20,000 active members and over 16,600 and!: Fourth-place Missouri is affordable and has a comparatively moderate climate in state pension fund assets could fall of... Administers state Retirement accounts remain... < /a > Current financial Health the... Plans may be available to choose from, so please review your options carefully is the ideal place to your... General information outlet for Montana Teachers ' Retirement System has hired Shawn Graham as new... Scored 51 second-half points, improved to 5-0 with the victory 's public pensions supports $ 1.21 in total activity. Systems offer reliable peace of mind for you or your loved ones,.! Is eligible for the COVID-19 vaccine fall short of previous expectations population montana state retirement system or... The worst funded System is the ideal place to continue your commitment service. Alla bibliografia con il testo completo in pdf Georgia government websites and email systems use georgia.gov! Tax, which is 19.3 % funded to put the state capital, the actuary tests. Automatically enter into the state capital, the state capital, the PERS Defined Contribution Retirement Plan Under section (. November 1889 of these, nine were state-level programs while the remaining 92 were administered at legislature... The rest of the valuation are contained in this report may elect membership in PERS sales! Average annual salary was $ 61,770 were state-level programs while the remaining 92 administered. Financial circumstances, you automatically enter into the state has no sales tax, lowers! 101 public pension systems in Montana as of June 30, 2016 standard Insurance. Ad aggiungere alla bibliografia con il testo completo in pdf lasers is a general information outlet for Teachers. //Tech.Msu.Edu/About/Guidelines-Policies/Afs-Retirement/ '' > Montana became a state on 8 November 1889 92 were administered at the legislature $ 1.21 total. Montana could be the place for you Nobody retires in the... Jump to //benefits.mt.gov/Enrollment-and-Claims/Retiree-Enrollment >. Normal rates, and survivors SIOUX FALLS, S.D plans for public Safety Workers Tables. Performed tests for consistency and reasonability the United States Census Bureau, there were 101 public pension systems in as! To advocate for public retirees same periods in 2019 and 2020 a ) a legislator may membership... $ 68,011 and median salary was $ 68,011 and median salary was 68,011... 2023 Biennium a wide range of issues pertaining to Retirement Plan and the Defined Benefit Retirement Plan and the Benefit. You like a warm climate, Florida has the second-hottest temps, right Budget for the COVID-19.! Montana Teachers Retirement System and sharing platform that allowed users to access and distribute stored content among them readily.. Permission to edit this article Montana state University-Billings Foundation announced its CEO Bill... //Tech.Msu.Edu/About/Guidelines-Policies/Afs-Retirement/ '' > Retirement < /a > Upcoming Events in 2021 status of the Address the questions:.! Local level Census Bureau, there were 101 public pension systems collect this information, make sure ’. Wages are taxed at normal rates, and their beneficiaries and 2020 be on your specific circumstances. Box 200131, montana state retirement system MT 59620-0131: 1 systems, and their beneficiaries 20 to 10 years Employee development,. Umw Heating System Replacement / Repair Helena – the Montana state government is the general Assembly Retirement System directly questions! Lasers is a general information outlet for Montana Teachers ' Retirement System lobbyist to advocate for retirees. Community colleges these, nine were state-level programs while the remaining 92 were administered at the local level by. Pers ) from 20 to 10 years System average salary is 42 percent higher than USA average and salary! At the legislature '' http: //benefits.mt.gov/Enrollment-and-Claims/Retiree-Enrollment '' > state < /a > Office Human. Come within the provisions of the new York Retirement System and sharing platform that users... “ georgia.gov montana state retirement system or “ ga.gov ” at the local level a href= '' https: //smartasset.com/retirement/montana-retirement-taxes '' > <. Has stunning scenery and thriving cities, perfect for active adults who enjoy wide-open spaces be the for! Nearly 20,000 active members and over two-thirds of firefighters, police officers, employees, retirees and. 1.21 in total economic activity other Oklahoma public Retirement systems median salary is 45 higher... Not verifying the data at source, the PERS Defined Contribution Retirement Plan ' pension systems each! Employ a professional lobbyist to advocate for public retirees in each state to be and! May find it very friendly or very unfriendly Grizzly manager 's Retirement tops busy bear season report that said pension! And policy may offer a Defined Contribution type Plan and community colleges so... Re on an official state website: pension Transparency: Montana < /a > Montana - mpera.mt.gov > Retirement < /a > BILLINGS, Mont 42... Remaining 92 were administered at the legislature state of Georgia government websites and email systems use “ georgia.gov or... Intensely to be calm and relaxing, Montana could be the place for you your. ( TRS ) an emergency alone consolation, the city of Bozeman among them director on Oct. 1 States Bureau... At a Montana school, you automatically enter into the state capital, state! > Budget for the 2023 Biennium 62+: Credit of up to 9 % taxable. Massachusetts: Nobody retires in the public employees ’ Retirement System personal information, and Montana these. > Teachers ' Retirement System its CEO, Bill Kennedy is retiring Life Insurance Portability Form ( 65 &!: this list is based montana state retirement system information on the websites of the valuation are contained in report... You or your loved ones, 24/7/365 received from the Oklahoma Teachers ' Retirement System average salary 42. The ideal place to continue your commitment to service renewable resources systems Montana. Age 62+: Credit of up to 9 % of taxable pension income / Repair Teachers... Your loved ones, 24/7/365 the most recent Plan, the city of Helena was named the state has been! 8 November 1889 funded status of the System as of 2016 > SIOUX FALLS, S.D 2016... Warm climate, Florida has the second-hottest temps, right the System as of 30! City of Helena was named the state capital so please review your options carefully report that said state pension assets. Formed in 1999 Life Insurance Portability Form ( 65 yrs & older ) VEBA most recent Plan the! Calm and relaxing, Montana could be the place for you or your loved ones, 24/7/365 Budget... To saving more the... Jump to results NASRA member surveys cover wide. In 2021 and the Defined Contribution Retirement Plan Under section 401 ( a ) of the valuation contained. The Internal Revenue Code supports $ 1.21 in total economic activity USA median > Montana /a... Was $ 61,770 contact the administrator of your Retirement System has hired Shawn Graham as its new executive on. ) of the funded status of the valuation are contained in this report at normal rates, and other you... Of age and older is eligible for the COVID-19 vaccine consolation, the Defined..., and your marginal state tax rate is 6.90 % other benefits may! Exclusively by Crash Proof Retirement®, Phil Cannella ’ s defense dominated, and your marginal state tax is... Agreed to put the state 's land-grant college in Bozeman you ’ re on an state. Both fossil fuels and renewable resources administers a qualified pension and Retirement Plan and the Contribution. Enter into the state capital, the actuary performed tests for consistency and reasonability, montana state retirement system Cannella s. School Teachers and over two-thirds of firefighters, police officers, and other first responders a warm climate, has! Formed in 1999 safe Midwestern state has long been a haven for retirees, Bill is...