Retirement Planning Built for Federal Employees
FERS pensions, TSP optimization, FEGLI cost analysis, and Social Security coordination — all under one fiduciary-led plan designed for your unique federal benefits.
Request Free Benefits AnalysisHelping Federal Employees Maximize Every Benefit They've Earned
Federal employees have access to one of the most comprehensive retirement systems in the country — but complexity often leads to costly mistakes. Many leave tens of thousands of dollars on the table through suboptimal TSP withdrawals, poorly timed Social Security claims, or overpaying for FEGLI coverage.
Our team holds the Federal Retirement ConsultantSM (FRCSM) designation and specializes in the intersection of FERS, TSP, FEGLI, Social Security, and tax-efficient income planning. We translate federal benefits jargon into clear, actionable strategies.
Common Federal Retirement Mistakes
- Keeping too much in the G Fund during peak earning years
- Not coordinating FERS pension with Social Security timing
- Overpaying for FEGLI when private coverage costs less
- Missing the Roth TSP conversion opportunity window
- Failing to plan for the FERS supplement gap
- Ignoring survivor benefit election trade-offs
Federal Benefits Income Optimization Process
A four-step diagnostic approach built specifically for the federal retirement system.
Benefits Audit
We review your FERS pension estimate, TSP allocation, FEGLI coverage, and current Social Security projections to identify gaps and opportunities.
FEGLI Cost Comparison
We compare your current FEGLI premiums against private market alternatives. Most federal employees can get equivalent or better coverage for significantly less.
Income Optimization
We model your FERS annuity, TSP withdrawals, Social Security timing, and Roth conversions together to maximize after-tax retirement income.
Implementation & Monitoring
We execute the plan, handle paperwork, and provide ongoing reviews as regulations, tax law, and your life circumstances evolve.
Federal-Specific Services
Every strategy is tailored to the unique rules and opportunities of the federal retirement system.
TSP Optimization
Allocation strategies across C, S, I, F, and G funds based on your timeline and risk tolerance. Roth TSP conversion analysis and withdrawal sequencing.
FERS Pension Maximization
Retirement date optimization, high-3 salary strategies, and survivor benefit election analysis to maximize your guaranteed pension income.
FEGLI Analysis
Side-by-side comparison of your FEGLI premiums vs. private market alternatives. Most employees save significantly with equivalent or better coverage.
Social Security Coordination
Custom analysis of how your FERS pension, FERS supplement, and Social Security benefits interact — including optimal claiming ages for married couples.
Roth Conversion Planning
Strategic Roth conversions during the gap years between retirement and Social Security/RMDs when your tax bracket may be at its lowest.
FEHB & Medicare Coordination
Navigating the transition from FEHB to Medicare at 65, including whether to keep FEHB as a supplement and how to minimize healthcare costs.
Request Your Free Federal Benefits Analysis
Tell us about your situation and we'll provide a complimentary review of your federal retirement benefits.