Federal Authority Briefing

The Masterclass for Federal Professionals: Turn Your Benefits into a Secure Legacy.

A comprehensive briefing on FERS, TSP, FEGLI, and FEHB. Specifically designed for GS-12+ federal employees approaching retirement.

BRIEFING OVERVIEW // 18:24 DURATION

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Priority Access for Federal Employees

BESTSELLING AUTHOR

Retire Right, Retire Now

The Voice of Authority

National Reach. Local Impact.

Federal employees are often the most underserved high-net-worth individuals in the country. Your complexity is your opportunity.

Broadcasting

Host of Retire Right Radio on KSL & KNRS

Fiduciary

Independent fiduciary, legally bound to your best interest

Specialist

25+ years serving 500+ federal employees in Utah/Idaho

The Fiduciary Protocol

A Holistic Architecture for Legacy

As fiduciaries, we are legally bound to act in your best interest. We coordinate these five pillars to ensure no benefit is left unprotected.

Income

FERS High-3 & Supplement Optimization

Tax

Roth Conversions & Tax-Efficient TSP

Market

Risk-Managed Portfolio Growth

Health

FEHB & Medicare Coordination

Estate

Intergenerational Wealth Transfer

The Math Behind Your Legacy

Precision Benefit Architecture

The FERS Optimization

Calculation Basis High-3 Average Salary

1.1% Multiplier at Age 62+20 Years

Architect's Note: Timing your retirement date around your High-3 peak can meaningfully affect your lifetime income — the right date depends on your individual situation.

The FEGLI Cost-Cliff

FEGLI Option B premiums are based on 5-year age bands. What costs $135/month at age 45 can exceed $800/month by age 70 — for the same coverage that's losing real value to inflation every year.

$135
Age 45

$195
Age 50

$325
Age 55

$540
Age 60

$810
Age 65

$1,100+
Age 70

For some federal employees, a private level-term policy can cover similar needs at a lower cost, with premiums that are level for the policy's term (they renew at the end of the term). Whether this fits depends on your health and situation. Any insurance is offered through our affiliate, CWA Insurance Services, LLC, which may earn a commission — a conflict we disclose.

RISK FACTOR: HIGH // REVIEW REQUIRED BEFORE AGE 55