Fee-only advisors who specialize in FERS, CSRS, TSP, and federal retirement benefits.
Federal benefits are unique and complex: the FERS 3-legged stool (basic annuity + TSP + Social Security), the FERS supplement, survivor annuity elections, FEHB in retirement (Medicare coordination), sick-leave conversion, and CSRS Offset for the few remaining. Generalist advisors often miss the FERS supplement, FEHB implications, or survivor-electi
Situations we handle
- FERS basic annuity — am I maximizing my high-3?
- Should I take the FERS supplement or delay Social Security?
- Survivor annuity election — 50% or 25%, and what about life insurance as alternative?
- FEHB in retirement + Medicare — do I need Part B?
- TSP withdrawal strategy in retirement
- Sick leave conversion — when and how much does it add?
Why a specialist. Federal benefits have no private-sector analog — FERS supplement, FEHB premium conversion in retirement, survivor annuity math, CSRS Offset. A generalist advisor has rarely modeled these. A federal-benefits specialist has seen hundreds of retirements and knows the optimization levers.
Tools & guides
FERS Retirement Calculator
Model FERS basic annuity, FERS supplement, TSP withdrawal, and Social Security as an integrated retirement income plan.
FERS Retirement Planning Guide
Detailed framework — rules, tradeoffs, and common mistakes.
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Fee-only advisor with no commission conflict. Free match.