What we do
Federal Retirement Planning Built Around Your Benefits.
Federal retirement is unlike any other. We focus exclusively on the programs federal employees depend on — providing focused retirement planning and education, not generic advice.
Understand your federal pension
FERS Retirement Planning
The Federal Employees Retirement System is the foundation of your retirement. We help you understand your annuity calculation, retirement date considerations, survivor benefit elections, and how FERS integrates with Social Security and your TSP.
- Annuity calculation & projection
- Retirement date comparison
- Survivor benefit election guidance
- MRA + 10 vs. immediate retirement comparison
- FERS Supplement eligibility & timing
Understanding how your retirement date affects your annuity is an important part of retirement planning.
Plan your Thrift Savings Plan strategy
TSP Planning
The TSP is one of the most powerful retirement savings vehicles available to federal employees. We review your contribution strategy, fund allocation, Roth vs. traditional considerations, and withdrawal planning as part of your overall retirement picture.
- Contribution and allocation review
- Fund review (G, F, C, S, I, L funds)
- Traditional vs. Roth TSP considerations
- Retirement withdrawal planning
- TSP loan considerations
Understanding your TSP contribution strategy and withdrawal options is an important part of retirement income planning.
Understand your federal health coverage options
FEHB Health Benefits
The Federal Employees Health Benefits program is one of the most valuable retirement benefits available. We help you understand how to carry FEHB into retirement, evaluate coverage and cost considerations, and understand how FEHB may coordinate with Medicare.
- FEHB into retirement eligibility review
- Plan comparison & cost analysis
- Medicare Part A & B coordination
- Medicare Advantage vs. FEHB evaluation
- Spouse & dependent coverage planning
Carrying FEHB into retirement requires meeting specific criteria — understanding those requirements is an important planning step.
Understand your federal life insurance options
FEGLI Life Insurance
Federal Employees Group Life Insurance premiums change significantly after age 65. We review your current coverage, help you understand how premiums and coverage can change in retirement, and evaluate your available options.
- Current coverage review (Basic, Option A/B/C)
- Premium cost projection to age 80+
- Reduction election analysis at retirement
- Private life insurance comparison
- Survivor needs assessment
Understanding how FEGLI premiums and coverage change in retirement can help you make more informed decisions about your life insurance.
Evaluate your Social Security options
Social Security Planning
For FERS employees, Social Security is a key income component. We help you evaluate Social Security claiming strategies and understand how Social Security may coordinate with your FERS benefit, FERS Supplement and TSP withdrawals.
- Break-even & longevity analysis
- FERS Supplement bridge strategy
- Spousal & survivor benefit coordination
- WEP & GPO impact assessment (if applicable)
- Coordination with FERS annuity and TSP
Social Security claiming decisions involve trade-offs that depend on your individual situation, health, and retirement income needs.
Bring your benefits together into a retirement income plan
Retirement Income Planning
Bring together your federal pension, TSP, Social Security and other retirement assets to evaluate how they may support your retirement income needs.
- Income gap analysis & projection
- Tax-efficient withdrawal sequencing
- Required Minimum Distribution planning
- Inflation protection strategy
- Legacy & estate coordination
A coordinated retirement income plan can help you understand how your federal benefits and savings may work together in retirement.
How We Work With You
A straightforward, three-step process designed around your schedule and your goals.
Federal Retirement Review
We start with a no-obligation conversation to review your current benefits, retirement timeline, and goals. No sales pressure — just clarity.
Retirement Analysis
We model your specific numbers — annuity projections, TSP scenarios, Social Security timing, and income considerations — and present a clear picture of your retirement.
Ongoing Retirement Planning
Retirement planning is not a one-time event. We stay with you through career changes, life events, and into retirement itself.
Ready to See Your Full Retirement Picture?
Schedule a Federal Retirement Review and get a personalized review of your federal benefits.