Federal Employee Benefits & Retirement
Your federal benefits are among the most valuable in the country. Make sure you understand every dollar you've earned.
Your Benefits Are Complex. We Make Them Clear.
Federal employees have access to one of the most comprehensive benefit packages available. But navigating FERS, TSP, FEHB, FEGLI, Social Security, and Medicare on your own can be overwhelming. One wrong decision can cost you tens of thousands of dollars in retirement. We help you understand exactly what you have, what it's worth, and how to maximize every benefit before you retire.
Key Federal Benefit Areas We Cover
FERS Retirement System
Understand how your Federal Employees Retirement System pension is calculated, when you're eligible, and how to maximize your annuity based on your years of service and high-3 salary.
Thrift Savings Plan (TSP)
Your TSP is one of the most powerful retirement savings tools available. We help you optimize your contribution strategy, fund allocation, and withdrawal plan to minimize taxes and maximize income.
FEHB Health Benefits
The Federal Employees Health Benefits program offers extensive coverage options. We help you compare plans, understand how FEHB coordinates with Medicare, and avoid costly gaps in coverage.
FEGLI Life Insurance
Federal Employees Group Life Insurance provides valuable coverage, but many employees are over- or under-insured. We review your FEGLI elections and help you make the right coverage decisions.
Social Security Integration
Federal employees often have unique Social Security situations. We help you understand how your federal pension interacts with Social Security and identify the optimal time to claim your benefits.
Military Service Buybacks
If you served in the military before becoming a federal civilian employee, you may be able to buy back that service time to increase your FERS pension. We walk you through the process step by step.
Medicare Coordination
Knowing when and how to enroll in Medicare and how it works alongside FEHB can save you thousands. We help you avoid penalties and choose the right coverage combination for retirement.
Retirement Income Planning
We bring all your federal benefits together into a single, integrated retirement income plan so you know exactly what your monthly income will look like from day one of retirement.
Why Federal Employees Need Specialized Guidance
Complex Rules
Federal benefits have unique rules, deadlines, and elections that don't apply to private-sector employees. Missing a deadline or making the wrong election can be permanent and costly.
One-Time Decisions
Many federal benefit elections like survivor benefit elections and FEGLI coverage are made once at retirement and cannot be changed. Getting them right the first time is critical.
Benefit Coordination
FERS, TSP, Social Security, FEHB, and Medicare must all work together. A siloed approach leaves money on the table. We look at the full picture.
Tax Efficiency
Your TSP withdrawals, pension income, and Social Security are all taxable. Without a strategy, you could pay far more in taxes than necessary throughout retirement.
Don't Leave Your Federal Benefits on the Table
The average federal employee leaves $50,000 to $100,000 in unclaimed or mismanaged benefits over the course of their retirement. A no-cost benefits review takes less than an hour and could change your financial future.
Schedule Your No-Cost Federal Benefits Review
Our specialists will walk through your FERS, TSP, FEHB, FEGLI, Social Security, and Medicare benefits and build a clear picture of your retirement income.
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