Federal Retirement Planning
Retire With Confidence and Clarity
Federal retirement planning can be one of the most confusing parts of your federal employee service. Between your FERS pension, TSP withdrawal options, FEGLI elections, and retirement paperwork, there are critical decisions that affect your lifelong income and your family’s future.
We help federal employees retire with confidence by walking you through every step of the process—clearly, professionally, and without pressure.
Why Retirement Planning Matters for Federal Employees
- You must apply to receive your FERS pension—it is not automatic.
- Mistakes with TSP rollovers, insurance elections, or survivor benefits can reduce your income or leave your family unprotected.
- Federal retirement forms are complex, with strict timelines and multiple steps.
Our retirement session helps you avoid costly errors and build a plan you understand.
How Federal Employee Retirement Planning Works
- Pension Guidance – We review your FERS estimate, calculate your projected income, and help you choose the best survivor benefit option for your spouse.
- TSP Rollover Support – Whether you're leaving it, rolling it into an IRA, or starting withdrawals, we help you understand your TSP options and avoid penalties.
- Application Assistance – We guide you through retirement form completion (like SF-3107), helping you submit everything accurately and on time.
- Retirement Timeline Planning – We help you understand MRA, service credit, and deadlines, so you know exactly when you can retire and what steps to take.
How Our FERS Retirement Services Work
Do I have to apply for my FERS pension?
Yes. Retirement is not automatic. You must submit a full application package to start your FERS benefits and make key elections like survivor annuity and insurance coverage.
Can you help with my TSP rollover or withdrawals?
Absolutely. We explain your rollover options, tax implications, and how to create steady income from your TSP after retirement.
When should I submit my retirement application?
We recommend starting the process at least 90 days before your retirement date. We’ll help you build a timeline and check all the boxes.
What if I already have an estimate?
That’s a great start! But your estimate is only one piece—we help you translate it into a full income plan, factoring in your TSP, survivor options, and other benefits.
What’s the “High-3” and how does it affect my pension?
Your FERS pension is based on your highest-paid 3 consecutive years of federal service (your “High-3”). We help you verify your High-3 estimate and explain how it impacts your monthly pension income.
Can I still retire if I have unused sick and annual leave ?
Yes. Unused sick leave can increase your pension by adding to your total service time. Your unused annual leave is paid out in a lump sum shortly after you retire. This payment reflects your accrued leave balance as if you had worked that many additional days, and it can provide a valuable cash cushion during the transition into retirement.
Make Your Retirement a Smooth Transition
You’ve spent a career serving the public—now let us help you make sure your retirement serves you.
Schedule your free retirement session today and gain clarity, confidence, and peace of mind for the road ahead.