Federal Employee Retirement Planning with a Clear, Confident Path Forward

If you work for the federal government—whether you’re in the Forest Service, Postal Service, or another agency—you already know that your benefits are complicated. As a Chartered Federal Employee Benefit Consultant™, we specialize in federal employee retirement planning and help you make sense of the big picture: your FERS pension, Thrift Savings Plan (TSP), FEGLI life insurance, and more. Whether you’re nearing your Minimum Retirement Age or you’ve already crossed it, we’re here to help you make smart decisions and build a plan that actually works.

Two black oak leaves.

You’ve Earned It—Let’s Maximize It

We’ve spent over 17 years helping federal employees get the most from their benefits. We know the rules, the timelines, and the common mistakes that can cost you time or money down the road. From rural federal workers in Hardeman and McNairy County to remote retirees in Oregon and Idaho, we’ve helped people just like you retire with clarity and confidence.

Understanding the Pieces: FERS, TSP & More

Your benefits package has a lot of moving parts—and they all work together. Here’s how we help you bring it all into focus:

  • FERS Pension – We walk you through the formula, eligibility, and payout options

  • TSP – Advice on contributions, allocations, and withdrawal strategies

  • Social Security – When to claim and how it fits into your income plan

  • FEGLI – Evaluating life insurance coverage and options before retirement

  • Survivor Benefits – Understanding the true cost and value for your spouse or family

We’ll also show you how to account for unused sick leave, military service credits, and other often-overlooked factors that can impact your pension.

Smart Ways to Manage Your TSP & Federal Pension

As a FERS retirement planner, we help you go beyond the basics. That includes:

  • Optimizing TSP investment choices based on your retirement timeline

  • Coordinating TSP withdrawals with other income sources

  • Deciding whether to roll TSP into an IRA or keep it

  • Evaluating survivor benefit costs vs. alternatives

  • Planning for the FERS Special Retirement Supplement if you retire before age 62

Whether you're in Tennessee or transitioning out of a federal position in Mississippi, your choices now can affect your income for decades. We’ll help you get them right.

Your Retirement Timeline, Mapped Out

Federal retirement requires careful timing. We’ll guide you through key milestones:

  • Eligibility for early retirement options

  • How the MRA + 10 rule works

  • When to submit retirement forms to OPM

  • Preparing for the transition from agency pay to retirement income

  • How to align your retirement date with your benefits start date

We take pride in providing the clarity that federal employees need to make these decisions with confidence—not pressure.

State-Specific Considerations for Federal Retirees

Living in Tennessee means no state tax on earned income, which can make a big difference in retirement. If you're retiring here or relocating to places like Jackson, Memphis, or across the border into Mississippi, we'll help you understand how local tax laws affect your retirement income. We also work with clients in Oregon, Washington, and Idaho—states with very different tax landscapes. That means we’re ready to tailor your plan to where you live now or where you’re headed next.

You Might Be Wondering…

  • What is the FERS pension formula?

    Your pension is based on your years of service, your “high-3” average salary, and a multiplier (typically 1% or 1.1%). We’ll walk you through exactly what to expect.

  • How does my unused sick leave affect my pension?

    Unused sick leave can increase your total creditable service. That means a bigger pension check if used correctly. We’ll help you calculate the impact.

  • Should I use the TSP or an IRA after retirement?

    That depends on fees, flexibility, and tax strategy. We’ll show you the pros and cons of each, and help you decide what works best for your situation.

  • What about survivor benefits?

    Survivor options reduce your monthly benefit, but may be worth it for your spouse. We’ll compare the cost with other insurance or planning strategies so you can make an informed choice.

Want to See How This Applies to You?

We offer a free Federal Benefits Review to help you understand where you stand and what your next steps should be. You’ll walk away with a clear picture and a plan of action—no pressure, just real answers.



Download Your Federal Employee Pre-Retirement Checklist (offer optional lead magnet here)

Also Planning for Retirement Outside the Federal System?

We’ve got you covered there, too.
 Visit our  Retirement Planning page

Already Retired or Getting Close?

We can help with withdrawal strategies, income planning, and tax efficiency.
Learn more about our  Retirement Income Planning services

Have Questions About Taxes or Insurance?

Your FERS pension and TSP distributions can carry tax surprises. And FEGLI may not be the most efficient insurance in retirement.
Explore our  Tax Planning and Insurance Planning services for a more complete picture.

A small blue icon in the top left corner of a white background.

Let’s Build a Plan That Reflects What You’ve Earned

If you're a federal employee approaching retirement and want help maximizing your benefits, we’re ready to help. We bring experience, clarity, and a client-first approach to every conversation.