Retirement Benefit Education—Know What You’ve Earned

Understanding what you’re entitled to is the first step toward building a solid retirement plan. We’ll guide you through the major components of your benefits, including:

• FERS or CSRS: Learn how your years of service, high-three salary, and retirement age factor into your pension calculation—and what options you have when selecting a survivor benefit.
• Thrift Savings Plan (TSP): We help you understand how to use the TSP to its full advantage, including traditional vs. Roth contributions, fund choices, lifecycle options, and how to assess risk and performance.
• Social Security: We’ll explain how Social Security benefits coordinate with your federal pension, including the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) if applicable.
• Federal Employee Group Life Insurance (FEGLI): We’ll assess whether to maintain FEGLI coverage in retirement or consider private options.
• Federal Long-Term Care Insurance Program (FLTCIP): We provide guidance on coverage, cost, and when it makes sense to include long-term care in your retirement plan.
• Health Benefits (FEHB): Understand how to maintain your federal health coverage into retirement—and how Medicare fits in.

Our goal is to demystify these benefits and show you how they work together to support your long-term financial goals.

Pre-Retirement Planning—Retire With Confidence

Retirement is one of the biggest transitions in your financial life. To make it seamless, we offer comprehensive retirement planning tailored to federal employees. We’ll help you answer questions like:

• When is the best time for me to retire?
• How much income will I have in retirement?
• Will I need to supplement my pension and TSP?
• Should I roll over my TSP or leave it where it is?
• How can I reduce my tax liability in retirement?

We create customized retirement income projections and tax strategies so you can feel confident stepping into your next chapter with a plan that works.

Post-Retirement Wealth Management—Stay on Track

Just because you've retired doesn't mean your financial journey is over. In fact, it’s just entering a new phase. Once you're no longer working, our job shifts from planning your retirement to managing it effectively.

• Investment Management: If you choose to roll over your TSP into an IRA or need help managing other investments, we’ll build and maintain a portfolio tailored to your risk tolerance and income needs.
• Income Strategy: We help you turn your retirement savings into a sustainable paycheck, balancing pension income, Social Security, IRA withdrawals, and other sources.
• Tax Efficiency: Retirement distributions can trigger unexpected taxes. We help minimize your tax burden with strategies like Roth conversions, tax-loss harvesting, and smart withdrawal sequencing.
• Estate and Legacy Planning: Ensure your assets are passed on according to your wishes with our estate planning coordination services. We can work directly with your attorney or help you find one you trust.
• Healthcare & Long-Term Care Planning: From navigating Medicare to planning for potential future care needs, we help you stay prepared and protected.

You’ve worked too hard to leave your financial future to chance. Our ongoing wealth management services ensure that you stay on track—no matter what life throws your way.