View of the US Capitol building dome against a blue sky, representing secure retirement planning and benefit maximization for federal employees.

FERS BENEFITS & RETIREMENT STRATEGY

Financial Planning for Federal Employees

Federal employees face a unique set of financial decisions, many of which can’t be solved with generic advice. From FERS pensions and SRS to TSP strategies and retirement healthcare decisions, the details matter.

We help federal employees turn complex benefits into a clear, confident retirement plan.

Common Planning Areas

  • FERS pension analysis and retirement timing

  • TSP investment and withdrawal strategies

  • Coordinating Social Security with federal benefits

  • FEHB and Medicare planning in retirement

  • Tax-efficient income strategies before and after retirement

Whether you’re five years away from retirement or already have your retirement date planned, our goal is simple: Help you make informed decisions that align with the life you want to live.

  • 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.

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