TSP Strategy
The Thrift Savings Plan (TSP) is the cornerstone of federal retirement, yet many employees simply set their contributions to the L Fund and forget them. We believe your TSP requires active, strategic management tailored to your specific timeline, risk tolerance, and tax bracket.
- ✓ Lifecycle vs individual fund allocations (G, F, C, S, I)
- ✓ Traditional vs Roth contribution modeling
- ✓ Age 59½ in-service withdrawal strategies
- ✓ Post-service rollover and consolidation planning
Federal Retirement Planning
Your federal pension (FERS or CSRS) doesn't exist in a vacuum. It must be carefully coordinated with Social Security, your TSP withdrawals, and any outside assets. We calculate your exact High-3, model various retirement dates, and ensure you maximize your lifetime income.
- ✓ Precise FERS and CSRS annuity calculations
- ✓ FERS Retiree Annuity Supplement bridging
- ✓ Social Security claiming strategies
- ✓ Survivor Benefit Plan (SBP) election analysis
FEGLI & Survivor Benefits
Federal Employees Group Life Insurance (FEGLI) is an excellent benefit early in your career, but the premiums for Option B increase significantly every five years starting at age 35. We analyze your FEGLI costs against commercial alternatives to protect your family without overpaying.
- ✓ FEGLI cost-curve analysis and projection
- ✓ Commercial life insurance comparisons
- ✓ Beneficiary review and legacy planning
- ✓ Coordination with FERS survivor benefits
Health Coverage Strategy
Navigating the Federal Employees Health Benefits (FEHB) program requires understanding how it transitions into retirement. We help you make optimal open-season choices, plan for the 5-year requirement to carry coverage into retirement, and integrate FEHB with Medicare.
- ✓ FEHB plan selection and cost optimization
- ✓ Medicare Part B integration timing
- ✓ Postal Service Health Benefits (PSHB) transitions
- ✓ ACA marketplace alternatives for early retirees
Wealth Protection
A truly comprehensive plan protects your assets from unexpected life events. We coordinate your federal sick leave and disability retirement options with supplemental coverage to ensure your wealth is insulated.
- ✓ Long-term care strategy and Federal Long Term Care Insurance Program (FLTCIP)
- ✓ Supplemental disability income protection
- ✓ Legacy planning and wealth transfer
- ✓ FEDVIP (Dental and Vision) coordination
Non-Government Spouses & Family
Federal benefits are just one half of the equation for many households. We provide comprehensive wealth coordination for the non-government employees in your family, ensuring both careers work together toward a unified retirement goal.
- ✓ 401(k) and IRA coordination with TSP
- ✓ Commercial insurance planning for spouses
- ✓ Joint tax strategy and optimization
- ✓ Unified household income modeling