Employees with a spouse or dependents
Survivor Benefit Planning
Protect your family's income with informed decisions on the FERS/CSRS survivor benefit.
Overview
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.
What We Review
- 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
- Estate and beneficiary coordination to avoid surprises
Why It Matters
Once you retire, you generally can't undo the survivor election. Getting it right protects your spouse for life; getting it wrong can leave a surviving spouse with a permanent income cut. [VERIFY] current survivor benefit rules and costs.
Your deliverable
A survivor benefit planning summary comparing the annuity election with alternatives.
How this service works
Every engagement follows the same simple four-step process — ending with a plan you can act on.
- 1
Book a free consultation
Schedule a 30–45 minute, no-cost conversation by phone, video, or in person.
- 2
Share your benefits information
Send your annuity estimate, TSP statement, and insurance details so we can review your full picture.
- 3
Receive your personalized analysis
We build your gap analysis report, identifying strengths and gaps in your current plan.
- 4
Review your retirement plan
We walk through your analysis together and outline clear, prioritized next steps.
Ready to see where your federal retirement stands?
Your free 30–45 minute consultation is a working session, not a sales pitch. Let's find the gaps before retirement finds them for you.
No cost · No obligation · Phone, video, or in person