Federal Benefits Are Complex
your benefits package is one of the best in the country
But maximizing it requires specialized knowledge that most financial advisors don't have. FERS, TSP, FEGLI, FEHB, the FERS supplement, SCD dates, high-3 calculations — we speak your language because federal retirement is what we do.
Talk to a Federal Specialistwhat we optimize
Federal Benefits We Help Maximize
Every aspect of your federal benefits, analyzed and optimized by specialists.
FERS Pension Planning
- Annuity calculation and projections
- Survivor benefit election analysis
- Special provisions (LEO, ATC, firefighter)
- VERA/VSIP early retirement
- FERS supplement until age 62
TSP Management
- Fund allocation optimization (C, S, I, F, G, L)
- Traditional vs. Roth TSP analysis
- TSP rollover strategies at retirement
- Withdrawal options and timing
- Catch-up contribution planning
FEGLI Life Insurance
- Basic vs. optional coverage analysis
- Cost comparison at different ages
- Private insurance alternatives
- Post-retirement cost projections
- Open season decision support
FEHB Health Benefits
- Keeping FEHB into retirement
- FEHB and Medicare coordination
- Plan selection at retirement
- Dental and vision options
- Flexible spending accounts
Social Security Coordination
- FERS annuity + SS timing strategies
- Spousal benefit coordination
- FERS supplement bridge planning
- Windfall Elimination Provision (WEP)
- Government Pension Offset (GPO)
Tax-Efficient Withdrawals
- TSP + Roth + taxable sequencing
- Roth conversion strategies
- RMD planning and management
- IRMAA surcharge avoidance
- Lifetime tax burden minimization
where are you?
Your Federal
Career Stage
Planning for FERS Retirement
The ideal time to start optimizing. Review high-3 salary calculations, maximize TSP contributions, and evaluate FEGLI options before it's too late.
Schedule a ReviewMaximizing Your TSP
Are your TSP allocations aligned with your timeline and risk tolerance? Most federal employees leave significant growth on the table with default L Fund allocations.
Optimize Your Federal Retirement
Retired from federal service? Optimize your withdrawal strategy, manage RMDs from your TSP, coordinate FEHB with Medicare, and ensure your income lasts.
planning timeline
Federal Retirement
Planning Timeline
5 Years Before
Review high-3 salary calculations, maximize TSP contributions, evaluate FEGLI options, and start building your withdrawal strategy.
2 Years Before
Confirm service computation dates, plan TSP withdrawal strategy, analyze survivor benefit options, and project your annuity.
6 Months Before
Submit retirement application, coordinate FEHB continuation, finalize income plan, and prepare for the transition.
testimonials
What Federal
Employees Say
"I had no idea how much I was leaving on the table with my TSP allocations. They helped me restructure everything and I'm now on track to retire three years earlier than planned."
Michael R.
GS-14, Department of Defense, 22 years of service
"The team understood FERS inside and out. They walked me through the FERS supplement, coordinated my Social Security timing, and helped me understand my FEHB options in retirement. Worth every penny."
Sandra L.
GS-13, Department of Veterans Affairs, 28 years of service
"After 30 years of federal service, I was overwhelmed by the decisions I had to make. They made it simple and gave me confidence that my retirement plan is solid."
James T.
GS-15, Department of Homeland Security, 30 years of service
our commitment
We are legally obligated to act in YOUR best interest
As fiduciary advisors specializing in federal retirement, we put your interests first. No conflicts, no hidden commissions — just honest advice from people who understand your benefits.
Ready to Optimize Your Federal Benefits?
Your service deserves a secure retirement. Initial consultations are complimentary for qualified federal employees.