Bridging The Federal Benefits Gap.
Your federal benefits package is one of the most valuable compensation systems in the country — but only if you know how to use it. We help federal employees and retirees turn complexity into confidence.
Coordinating All Federal Benefits Is Complicated
Your FERS pension, TSP, FEGLI, FEHB, Social Security, and Medicare all interact. Without a coordinated strategy, gaps add up — and so do costly mistakes.
Without a Plan
- Overpaying for FEGLI coverage you may not need in retirement
- Stuck in the most expensive FEHB plan because no one showed you alternatives
- Missing the optimal retirement date by years
- Leaving TSP money in the G Fund earning below inflation
- Claiming Social Security too early — or too late
- No idea how your FERS pension, Supplement, and Social Security fit together
With a Plan
- FEGLI analyzed against private alternatives — keep only what makes sense
- FEHB plan reviewed annually to save hundreds per month in premiums
- Retirement date modeled around your MRA, high-3 salary, and benefit eligibility
- TSP allocated and managed with a withdrawal strategy for retirement income
- Social Security timed to maximize your household's lifetime benefit
- Every benefit coordinated into one clear, written retirement plan
Your Benefits, Decoded
FERS Retirement System
Your FERS annuity is the foundation. We model your high-3 salary, service computation date, survivor benefit elections, and the FERS Supplement (SRS) to find the retirement date that maximizes your lifetime income. MRA+30, 60+20, 62+5 — we map out your earliest and optimal retirement windows.
Explore FERS planning →TSP Strategy
Allocation across L, C, S, I, F, and G funds. Roth TSP conversions. Withdrawal sequencing. Contribution optimization.
TSP deep dive →FEGLI
FEGLI premiums spike after retirement. We compare your post-retirement FEGLI costs against private alternatives and recommend whether to keep, reduce, or replace coverage.
Review FEGLI options →FEHB
Over 50% of federal employees are in Blue Cross Plus — often the most expensive plan. Nobody pulls their LES to see what they're actually paying. We help you compare plans and potentially save hundreds per month in premiums.
Review FEHB options →Social Security
When you claim matters. We model spousal strategies, earnings test impacts, and how Social Security coordinates with your FERS pension and Supplement to maximize your household's lifetime benefit.
Social Security planning →Medicare
Understanding how Medicare works alongside FEHB is critical. We help you navigate enrollment timing, Part B decisions, and how to coordinate coverage so you're not overpaying or leaving benefits on the table.
Medicare planning →
The Federal Benefit Gap
Written specifically for FERS employees and retirees. No fluff, no product pitches — just the playbook your HR office never gave you.
Download a Free Chapter →Key Figures for Federal Planning
| Item | Key Figure | Why It Matters |
|---|---|---|
| TSP Elective Deferral Limit | $24,500 | The maximum you can contribute to your TSP each year through payroll deductions. |
| TSP Catch-Up (Age 50+) | $8,000 | Additional amount employees 50 and older can contribute above the standard limit. |
| TSP Super Catch-Up (Age 60–63) | $11,250 | Enhanced catch-up for the critical pre-retirement window between ages 60 and 63. |
| Mandatory Roth Catch-Up Threshold | $150,000 | Employees earning above this must make catch-up contributions to Roth TSP only. |
| FEHB Average Premium Increase | +12.3% | Year-over-year rise in health premiums — reviewing your plan annually can save hundreds per month. |
| Social Security COLA | 2.8% | Annual cost-of-living adjustment applied to Social Security benefits. |
| FERS COLA Adjustment | 2.0% | FERS annuity COLA is capped at 2% when CPI exceeds 3%, so your pension may not keep pace with inflation. |
| Medicare Part B Monthly Premium | $202.90 | Standard monthly cost for outpatient coverage — higher earners pay IRMAA surcharges on top. |
| Social Security Earnings Test (under FRA) | $24,480 | Earn above this before full retirement age and $1 is withheld for every $2 over. Also applies to FERS Supplement. |
| HSA Contribution Limits | $4,300 / $8,550 | Maximum annual HSA contributions for individuals and families enrolled in a high-deductible health plan. |