Federal benefits expertise, organized around your decisions

Our flagship review is a comprehensive, no-cost gap analysis that compares what your federal benefits provide against your retirement income goals. We look at your whole picture — pension, TSP, Social Security, insurance, and survivor protection — and identify gaps before they become costly surprises.

• Your full benefits package across pension, TSP, Social Security, and insurance
• Projected retirement income versus your target lifestyle and spending
• Coverage gaps in insurance, survivor benefits, and long-term care

Your federal pension is the foundation of your retirement income. We break down how your FERS or CSRS annuity is calculated, explain the FERS retirement supplement, and show how your high-3, service time, and retirement age affect your payout.

• Your FERS or CSRS annuity estimate and how the formula applies to your service
• The FERS Social Security Supplement — eligibility, amount, and the earnings test
• How a postponed vs. immediate annuity changes your payout

The Thrift Savings Plan is one of the most powerful tools you have — and one of the most underused. We help you align your TSP contributions, fund allocation, and withdrawal strategy with your retirement timeline and risk tolerance.

• Contribution levels, catch-up eligibility, and the 5% agency match [VERIFY]
• Fund allocation across the G, F, C, S, I, and L funds and your risk profile
• Post-retirement withdrawal options under the TSP Modernization Act

Health coverage decisions around age 65 are some of the most expensive choices in federal retirement. We help you coordinate FEHB or the new PSHB program with Medicare Parts A, B, and D so you understand how they interact and where you may be over- or under-insured.

• Whether to suspend FEHB/PSHB, keep it, or coordinate with Medicare [VERIFY]
• Medicare Part B enrollment timing and the IRMAA income surcharge impact
• How the PSHB program (Postal Service Health Benefits) changes coordination for USPS employees

FEGLI coverage that made sense early in your career may no longer fit — and FEGLI premiums can rise steeply as you age. We review your current elections, compare them to private-market options, and help you decide what to keep, reduce, or replace.

• Your current Basic, Option A, B, and C elections and beneficiary setup
• Post-65 and post-retirement FEGLI premium changes [VERIFY]
• Whether private term or permanent insurance offers better value for your situation

The survivor annuity election is one of the few irreversible decisions in federal retirement. We help you weigh the FERS/CSRS survivor benefit against private life insurance and other options so your family is protected in the way that fits your finances.

• Full vs. 50% survivor annuity election and the cost-vs-benefit trade-off [VERIFY]
• Whether a private life insurance strategy is a better use of the same dollars
• The impact of the survivor benefit on your spouse's future income and FEHB/PSHB eligibility

When you claim Social Security can change your lifetime benefit by tens of thousands of dollars. We model claiming strategies for you and, if married, your spouse — including spousal and survivor benefits and how they interact with your federal pension.

• Claiming at 62, full retirement age, or 70 and the lifetime payout difference [VERIFY]
• Spousal and survivor benefit coordination for married couples
• How the Windfall Elimination Provision and Government Pension Offset may affect you [VERIFY]

A VERA (Voluntary Early Retirement Authority) or VSIP (Voluntary Separation Incentive Payment) offer can be a great opportunity or a costly mistake — depending on your numbers. We help you run the math before you decide, factoring in the FERS annuity, supplement, and your full plan.

• Whether a VERA lets you retire early with an immediate annuity and supplement [VERIFY]
• The value of a VSIP separation incentive versus staying to full eligibility
• Health coverage and FEHB/PSHB continuation under an early retirement

Federal disability retirement is one of the most complex and paperwork-intensive paths in the system. We help you understand the FERS/CSRS disability retirement process, what documentation matters, and how it interacts with your other benefits — so you can navigate it with confidence.

• FERS/CSRS disability retirement eligibility and the application process [VERIFY]
• How a disability annuity is calculated and the first-year vs. long-term structure
• Coordination with Social Security disability and your TSP and FEHB/PSHB