Federal Employees

Addressing these concerns now may help you to avoid addressing them during retirement when it may be too late.

What about my investments, will I have enough money; how much do I need; how do I plan so I can enjoy what I’ve worked for?

What about the past, present, and future of Social Security. What are the three lurking problems of windfall, dual entitlement, and government pension offset?

How does Social Security really relate to a government worker and family?

Are you prepared for “who gets it when you go” explore with us the issues of titling, wills, trusts, and the like.

We expect to prepare you for the risks you face with” everything your insurance agent never told you” Explore the gaps in auto insurance coverage; understand how to break it down and know where the exposures are to prevent one from snatching your retirement away in the last years of your career. Understand the liability of driving government vehicles and how to protect yourself.

Know your homeowners insurance from A to Z. Understand why the personal liability umbrella is the best way to protect your retirement future.

What about FEGLI – the good, the bad, and the ugly?

What about elder care, should you own the government long-term care policy, how to compare to the outside and when is each one the proper choice? How can you protect against severe long-term health issues robbing your retirement assets?

Do you really understand the TSP? Why is fund C more risky today than ten years ago? What does the TSP really mean to you? How should you allocate the TSP money and what strategies SHOULD BE employed now and in the future. What TSP decisions do you need to make upon leaving government service?

If we win the lotto with CSRS, why do we have FERS? How have the federal retirement systems followed the general aging revolution?

How do FERS and CSRS fit the mold composition of systems and their various CSRS offsets, FERS transfers, and special groups?

What makes H–3 - the most overlooked and underappreciated benefit of the systems.

Calculate benefits including shortcuts.

What day should you retire, what about sick leave; the Cadillac verses the “Bug”. What do the systems cost, are the benefits comparable. Why does a FERS worker have to be smarter than a CSRS worker to have the same quality retirement? When can you retire; why does transition create opportunity and where are those unique situations. What are all the types of retirements? Why do many female employees love the “MRA + 10 yr” – what about Cola’s – why do some FERS workers end up with less than what the comp formula provides. What about survivor benefit elections? How do you make sound financial decisions; what about deposits, re-deposits, military, disability’ and all the other special issues of the system?

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