Understand Your Federal Benefits
Most federal employees don’t get the full picture of their benefits until it’s almost time to retire. We make it simple. Our advisors help you understand what’s available, how it fits together, and the best steps for a confident retirement, whether it’s years away or just around the corner.
Retirement Planning (FERS & CSRS)
See what your pension could look like, when you can retire, and how your years of service affect your income. We’ll review your retirement eligibility, high-3 average salary, and survivor benefit options to help you choose the right path for your goals.
You’ll walk away knowing:
• What your pension is projected to pay
• How survivor benefits work for your spouse
• The best time to retire based on your goals
TSP & Income Strategy
Your Thrift Savings Plan is a key part of your retirement income. We’ll help you understand your fund choices, contribution levels, and withdrawal options so your TSP works alongside your pension and Social Security for lasting income stability.
We’ll cover:
• Fund allocation and diversification strategies
• How to avoid TSP withdrawal penalties
• Combining your TSP with outside investments or rollovers
Health & Life Benefits
We’ll walk you through how FEHB, Medicare, and FEGLI work before and after retirement. Together, we’ll find the best way to coordinate your health and life insurance coverage while keeping costs manageable for you and your family.
We’ll explain:
• How to coordinate FEHB and Medicare
• The true cost of FEGLI as you age
• Which benefits continue after retirement
Survivor & Military Service Options
If you’ve served in the military or want to protect your family’s future, we’ll explain how buying back military time and choosing survivor benefits can strengthen your overall plan and improve long-term security.
You’ll learn:
• How military service credit works
• What survivor benefit options cost and cover
• How to make sure your family is protected
