FERS, TSP, FEGLI, Social Security — your federal benefits package is one of the most comprehensive in the country. But complexity creates gaps, and gaps create problems you don't see until it's too late.
Most federal employees know they have good benefits. Fewer know exactly how those benefits work together — or where the gaps are.
FERS has three components. TSP has multiple fund options and withdrawal strategies. FEGLI coverage changes at retirement. Social Security timing decisions can swing your income by tens of thousands of dollars over your lifetime.
The Retirement Readiness approach starts by identifying every issue that could affect your retirement — then building a plan that actually addresses them.
Understanding your basic annuity calculation, the supplement before 62, survivor benefit elections, and how your high-3 salary drives everything.
Fund allocation, lifecycle vs. individual funds, Roth TSP considerations, withdrawal options, and the tax implications of each approach.
Your federal life insurance changes dramatically at retirement. Most employees don't realize how much coverage they'll lose — or what it will cost to keep.
When to file, spousal benefits, and the real math behind early vs. delayed claiming. Filing strategy can swing your lifetime income by tens of thousands of dollars.
FEHB, Medicare Part B enrollment windows, IRMAA surcharges on higher retirement incomes, Medigap, and the coordination decisions that can save — or cost — you thousands every year.
One of the most overlooked risks in federal retirement planning. FEGLI reduction, the absence of adequate disability income protection, and the retirement income shortage it can create.
The Retirement Readiness Score doesn't just measure how much you've saved. It measures whether the gaps that could derail your retirement have been identified and addressed.
Discover Your ReadinessCFRS® advisors are specifically trained in federal retirement planning. They understand the benefits, the terminology, and the decisions you're facing — because that's what they study, practice, and certify in.
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