Federal Retirement
Made Simple.

Demystifying TSP, FEGLI, FEHB, Survivor Benefits, Social Security Maximization, and Forms Needed For Retirement For FERS and CSRS Employees.

Federal Retirement
Made Simple.

Demystifying TSP, FEGLI, FEHB, Survivor Benefits, Social Security Maximization, and Forms Needed For Retirement For FERS and CSRS Employees.

Comprehensive Federal Benefit Education and Federal Retirement Planning

When planning for Federal Retirement, Federal employees face a variety of challenges when it comes to managing their federal employee benefits. One of the biggest challenges is understanding the complex rules and regulations surrounding their retirement plans, such as the Federal Employees Retirement System (FERS) or the Civil Service Retirement System (CSRS). These systems have multiple components, including annuities, Thrift Savings Plans (TSPs), and Social Security benefits, which can be difficult to understand and navigate.

As Seen In Partnership with Federal News Network (FNN)

Watch this webinar preview for a sneak peak at what you'll learn...

TSP Maximization

TSP stands for Thrift Savings Plan and is comprised of the C, S, I, F, and G Funds. The Lifecycle Funds (L Funds) are target date funds that automatically allocate your assets among the C, S, I, F, and G funds based on your target retirement date. Maximizing your TSP is complex but there are several strategies you can implement (some immediately) to put yourself into a better investment position. The first step in setting yourself up for success is understanding the different rates of return each of the funds is averaging. After that, you can make an informed decision on how to allocate your assets. We have an in-depth analysis of each of the funds here. We also strongly encourage you to attend one of our complimentary training webinars where we’ll share a few strategies you can implement immediately to maximize your TSP. 

Understanding Your FEGLI Options

The Federal Employees’ Group Life Insurance (FEGLI) program offers life insurance coverage to federal employees and retirees. It provides a Basic coverage automatically to eligible employees, which can be complemented with three types of optional insurance: Option A (Standard), Option B (Additional), and Option C (Family). While the Basic coverage’s cost is shared between the employee and the government, the optional coverages are fully paid by the employee. These options allow employees to tailor their life insurance based on personal and family needs, considering factors like financial obligations, future plans, and the changing cost-benefit ratio with age. FEGLI’s flexibility supports employees through different life stages, making it an essential part of financial planning for federal employees and retirees.

Federal Retirement Made Simple.

Federal Retirement can feel overwhelming for many nearing retirement. However, it doesn’t have to be! We strive to simplify the process, giving federal employees a simple, step-by-step process that ensures those nearing retirement don’t have to postpone their retirement
date.

Federal Retirement Made Simple.

Federal Retirement can feel overwhelming for many nearing retirement. However, it doesn’t have to be! We strive to simplify the process, giving federal employees a simple step-by-step process that ensures those nearing retirement don’t have to postpone their retirement
date!

Meet Your Federal Retirement Benefit Advisors

Managing Partners

What Other Federal Employees Are Saying

Justin T. Pierce

Fiduciary, FRC℠

520-906-4261
Justin.P@myfeba.org

Justin T. Pierce

James Campbell

Fiduciary, FRC℠

520-303-0041
James.Campbell@myfeba.org

James Campbell

FEHB & Medicare

The Federal Employees Health Benefits (FEHB) program provides health insurance coverage to federal employees, retirees, and their eligible family members. It offers a range of health plans, including fee-for-service, health maintenance organizations (HMOs), and high deductible health plans (HDHPs). Participants have the flexibility to choose from various plans and carriers to meet their individual or family healthcare needs. The program typically includes comprehensive benefits such as hospitalization, outpatient services, prescription drugs, preventive care, and mental health services. Premium costs are shared between the government and participants, with employees and retirees responsible for paying a portion of the premiums.

Survivor’s Benefits, Explained

Survivor’s benefits are financial provisions provided to the surviving family members or dependents of a deceased individual. These benefits aim to alleviate the financial strain experienced after the loss of the primary breadwinner or provider. They can include support from government programs such as Social Security Survivor Benefits or military survivor benefits, as well as employer-sponsored benefits like life insurance payouts or pension benefits. Private life insurance policies also offer survivor benefits to designated beneficiaries, helping cover expenses such as funeral costs, mortgage payments, and ongoing living expenses. Overall, survivor’s benefits are crucial in providing financial stability and support to families and dependents during challenging times.

Considerations When Planning For Federal Retirement

Federal employees planning for retirement must also carefully consider factors such as inflation, taxes, and healthcare costs, as well as keep track of legislative changes that could affect their retirement benefits. Keep in mind, we also don’t know what the future of these benefit programs hold. We know what how the look right now but nothing says that can’t change. Given the complexity of these issues, it is important for federal employees to seek guidance from knowledgeable professionals and stay up-to-date on the latest developments in federal employee retirement planning and benefits.

The Latest From Our Blog

We are not employed by the Federal Government