Employees offered an early retirement
VERA/VSIP Early Retirement
Evaluate an early-out offer — whether the numbers actually work for your retirement.
Overview
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.
What We Review
- 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
- TSP and Social Security bridge strategies for the gap years
Why It Matters
Early retirement offers are time-limited and the decision is hard to reverse. A clear analysis tells you whether the offer is genuinely in your favor. [VERIFY] the specific terms of any offer you receive.
Your deliverable
A VERA/VSIP evaluation summary with a go/no-go financial picture.
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