FEDERAL EMPLOYEE RESOURCE CENTER
Your Federal Benefits, Current Numbers
The up-to-date figures referenced in our workshops and publications. Updated whenever programs change — so your book never goes out of date.
WHY THESE NUMBERS MATTER
Your federal benefits are only as good as your understanding of them
One bad income year can trigger IRMAA
Cross a Medicare threshold by $1,000 and pay $700+/month in surcharges — for two years. Most people don't see it coming.
Tax decisions compound across decades
Roth conversions, withdrawal sequencing, and Social Security timing create ripple effects that either save or cost six figures over a retirement.
Federal benefits are complex by design
FERS, TSP, FEGLI, FEHB — most advisors don't know these acronyms, let alone how to optimize them together.
The wrong claiming age costs real money
Social Security at 62 vs. 70 can mean $200,000+ in lifetime difference. And the optimal age depends on factors most calculators ignore.
2026 FEDERAL BENEFITS AT A GLANCE
The Numbers That Shape Your Retirement
These are the current figures referenced in our workshops and publications. Numbers change every year — your strategy should too.
TSP Contributions
New in 2026: Employees 50+ earning over $150K must make catch-up contributions to Roth TSP. In-plan Roth conversions now available.
FERS Annuity & COLA
FERS retirees receive a "diet COLA" — 0.8% less than full CPI. Post-2013 hires rise to 4.4% in 2027.
FEHB Health Insurance
Not all plans increased equally. A plan comparison could save you hundreds per month — especially in retirement.
Social Security
Earn over the limit? $1 withheld per $2 over (under FRA) or $1 per $3 (year of FRA). After FRA — no limit.
FEGLI Life Insurance
FEGLI costs climb sharply with age. Many federal employees overpay for coverage that private plans deliver for less.
IRA & Other Limits
IRA limits increased $500 for 2026. Roth IRA income phase-outs also shifted — check your eligibility.
Numbers Tell Part of the Story. A Federal Benefit Analysis Tells the Rest.
These figures affect every federal employee differently. Schedule a complimentary Federal Benefit Analysis and we'll show you exactly what these numbers mean for your retirement — with a personalized projection you can act on.
REQUEST YOUR FREE ANALYSIS →Or call us directly: (801) 210-2800
Last updated: March 2026. Source: OPM, IRS, SSA, TSP.gov. Numbers are subject to annual adjustment.
FEDERAL EMPLOYEE GUIDES
Go deeper on the benefits that matter most
Retirement Planning Mistakes to Avoid
The five critical mistakes that derail retirement plans — and the strategies that prevent them. Covers withdrawal sequencing, tax bracket management, and healthcare cost traps.
Get the Guide →Social Security Claiming Strategy
When to claim, how spousal benefits work, and the tax implications of each scenario. Includes break-even analysis framework for your specific situation.
Read the Guide →Tax Efficiency Checklist
A simple checklist to identify tax-saving opportunities: Roth conversion windows, IRMAA thresholds, charitable strategies, and Utah-specific deductions most retirees miss.
Get the Checklist →Federal Employee Retirement Checklist
Navigate FERS pension, TSP withdrawal decisions, FEHB continuation, FEGLI cost analysis, and Social Security coordination — all in one comprehensive checklist.
Get the Checklist →401(k) & IRA Rollover Guide
Leaving a job or consolidating accounts? Direct vs. indirect transfers, tax traps, and the decision framework for rollover vs. stay. Avoid the penalties that cost people thousands.
Read the Guide →Medicare & IRMAA Planning Guide
Don't let surprise Medicare surcharges drain your retirement income. Understand the 2-year lookback, income thresholds, and multi-year avoidance strategies.
Read the Guide →
THE BOOK ON RETIREMENT
Retire Right, Retire Now
Coming Spring 2026
Mike Stevens wrote the book — literally. Retire Right, Retire Now shows you how to turn your savings into a clear, coordinated retirement strategy. No fluff. No jargon. Just the framework 650+ clients have already used.
GET YOUR FREE CHAPTER →Ready for Your Federal Benefit Analysis?
Numbers give you knowledge. We give you a plan built around your federal benefits.
SCHEDULE FREE ANALYSIS30 minutes with Mike Stevens. No cost. No pressure. Just clarity on your situation.
We model your income, taxes, healthcare, and estate plan with real numbers — not generic rules of thumb.
A clear plan that coordinates every piece: income, taxes, healthcare, and legacy.