We help you calculate your specific "Best Date" to ensure you don't lose benefits or leave money on the table.

The TSP offers low costs, but it lacks the ability to have state tax withheld and offers minimal investment options. Many Federal retirees choose to roll over their TSP to an IRA to access a wider range of investment options and potentially implement specific Roth conversion strategies that aren't possible within the TSP.

The SRS payment is a FERS retiree payment that mimics your Social Security benefit and bridges the gap between retirement and age 62. It is subject to an earnings test if you work another job. We help you find exactly how much you will receive and how it fits into your income gap before age 62.

Early retirement offers, including Voluntary Early Retirement Authority and Voluntary Separation Incentive Pay offers, have arrived with little warning for many federal employees in recent years. The pressure to decide quickly is real, but the decision deserves careful analysis before you commit.

The key questions are whether you meet the age and service requirements to actually retire rather than simply separate, what your FERS pension will look like at that age versus waiting, whether you qualify for the Special Retirement Supplement, how healthcare coverage transitions, and whether your outside savings can bridge any income gaps.

We help federal employees model the full financial picture of an early retirement offer so the decision is based on your actual numbers rather than fear or pressure.

This surprises many federal retirees. Once you reach Medicare eligibility at 65, you will typically enroll in Medicare Part A and Part B alongside your FEHB coverage. That means two premiums, which feels redundant at first.

The important thing to understand is that FEHB in retirement is extraordinarily valuable compared to what most private sector retirees face. Most people leaving corporate jobs lose employer sponsored health coverage entirely and must find individual coverage on the open market until Medicare kicks in. Federal retirees who meet the five year coverage requirement can carry FEHB for life, and it works alongside Medicare to cover costs that Medicare alone would not.

We help federal employees understand exactly how their FEHB and Medicare coverage interact, which FEHB plan makes the most sense alongside Medicare, and what the true combined cost looks like in retirement so there are no surprises.

One of the most costly and least understood mistakes is rolling over the entire TSP balance to an IRA before age 59 and a half without understanding the Rule of 55.

Here is why it matters. Federal employees who separate from service in the year they turn 55 or older can take distributions directly from their TSP without the 10 percent early withdrawal penalty. This is a significant benefit for anyone planning to retire before 59 and a half and needing to draw on retirement savings in the gap years.

The moment you roll that TSP balance into an IRA, you lose that protection entirely. IRA distributions before age 59 and a half are subject to the 10 percent penalty regardless of when you separated from service. A rollover that seems like a straightforward consolidation move can cost tens of thousands of dollars in unnecessary penalties.

We walk through TSP rollover timing carefully with every federal employee client before any money moves.

This is one of the most consequential and irreversible decisions a federal retiree makes, and it deserves a real conversation rather than a default answer.

Electing a full survivor annuity reduces your monthly pension payment but provides your spouse with a lifetime income stream if you pass away first. Declining it preserves your full pension during your lifetime but leaves your spouse without that guaranteed income.

The right answer depends on several factors we work through together. Your health and your spouse's health and life expectancy. The age difference between you. Whether your spouse has their own pension or income sources. What your combined outside investment accounts look like and whether they could realistically replace the survivor annuity income if needed. And critically, whether your spouse would retain FEHB coverage without the survivor benefit election, because the healthcare implications can be just as significant as the income implications.

We model both scenarios in full so you understand exactly what each choice means for your household before you make a decision you cannot undo.