Plan with the experts in Federal benefits.

FEGLI provides a solid baseline of coverage for federal employees, especially early in your career. However, as you age, the cost of FEGLI Option B increases significantly. Commercial life insurance often provides level premiums and can be more cost-effective over the long term, depending on your health and specific legacy goals. We evaluate both to ensure your coverage strategy is optimal.

The Thrift Savings Plan (TSP) offers low fees and the unique G Fund, which makes it a powerful tool. However, it may lack certain withdrawal flexibilities and investment options available in an IRA. Leaving your TSP in the federal plan or rolling it over depends on your specific income needs, tax strategy, and estate planning objectives. We help you model both paths.

Your FERS basic benefit is designed to work in tandem with Social Security and your TSP. Additionally, if you retire before age 62, you may be eligible for the FERS Retiree Annuity Supplement, which bridges the gap until you can claim Social Security. Proper coordination requires calculating the exact timing of when to draw from each source to maximize lifetime income.

The Federal Employees Health Benefits (FEHB) program is typically robust and allows you to carry coverage into retirement if you meet the 5-year requirement. Switching to the ACA marketplace is rare but may make sense if you leave federal service early, lose eligibility, or find a highly subsidized ACA plan that better fits your gap years before Medicare. We review your specific premium costs to decide.

You can take an age-based in-service withdrawal from your TSP starting at age 59½. This allows you to roll over a portion of your TSP to an IRA without a tax penalty, even while you are still employed by the federal government. This strategy is often used to diversify investments or access professional wealth management.

Yes, postal employees generally fall under the same FERS retirement system and have access to the TSP and FEGLI. However, starting in 2025, the Postal Service Health Benefits (PSHB) program will replace FEHB for postal employees, which introduces new Medicare integration rules. We specialize in navigating these exact USPS distinctions.

Yes, our fiduciary practice has a nationwide reach. While we are physically anchored in Marlborough, MA, federal benefits are consistent across the country. We routinely conduct virtual strategy calls and plan reviews for federal and postal employees in all 50 states.

Generic advisors often misunderstand the nuances of the FERS annuity supplement, the exact cost curve of FEGLI Option B, or the specific rules of the TSP. We are a fiduciary partner dedicated specifically to federal benefits. We don't just sell products; we optimize your unique federal benefits to compound into a secure retirement.