The TSP is a powerful retirement savings vehicle, but selecting the right allocation and understanding the Roth vs. Traditional option is key. We help federal employees align TSP contributions with overall retirement goals, risk tolerance, and tax strategy.
Transfers, promotions, and agency changes may impact benefits, tax location, and housing costs. We offer location-specific tax guidance, benefits coordination, and asset planning to maintain financial stability through career transitions.
Many federal roles allow for early retirement under special provisions (e.g., law enforcement, air traffic control). We help you navigate Minimum Retirement Age (MRA), early withdrawal options, and the financial impact of leaving service before full pension eligibility.
While FEGLI is widely accessible, it may not be cost-effective long term. We compare FEGLI to private insurance options and determine the best coverage based on your familyโs needs, financial goals, and career stage.
FERS includes a defined benefit pension, Social Security, and the TSP. We model how these pieces work together, helping you understand your income stream in retirement and plan around inflation adjustments, survivor benefits, and early retirement penalties.