Financial Planning for Federal Employees: Specialized Support for a Unique Retirement Path
Your federal career comes with a retirement system unlike any other—and your financial planning should reflect that. At Bright Oak, we specialize in financial planning for federal employees, helping you understand, optimize, and align your benefits with the rest of your retirement picture.
With over 17 years of experience and a Chartered Federal Employee Benefit Consultant designation, we know the ins and outs of FERS, CSRS, TSP, FEGLI, and more. Whether you're with the U.S. Forest Service, Postal Service, VA, or another federal agency, we build strategies around your unique structure, so you can feel confident every step of the way.
Understanding the Federal Retirement System—And How to Maximize It
Federal benefits aren’t simple—but we make them easier to navigate.
We’ll help you answer the big questions:
- When can I retire with full benefits?
- How do I time my Social Security with my FERS pension?
- What are my TSP withdrawal options?
- Should I keep FEGLI coverage after retirement?
- How do I protect my spouse with survivor benefits?
Our experience with FERS retirement planning means we can help you plan not just for the moment you leave federal service—but for decades after.
A Plan That Includes More Than Just Your Benefits
Good planning looks beyond the pension and TSP. We’ll coordinate your federal benefits with outside savings, taxable and tax-deferred accounts, life insurance, health care coverage, and long-term retirement goals.
We build retirement timelines around milestones like your MRA (Minimum Retirement Age), Special Retirement Supplement eligibility, and RMDs. And we work with federal employees across Tennessee and beyond—including retirees in Oregon, Idaho, and other states with federal hubs.
Why Federal Employees Choose Bright Oak
- Personalized guidance from a team that truly understands federal benefits
- Proactive planning that helps you get more from your retirement
- Strategies for Thrift Savings Plan (TSP) management and rollover timing
- Support with tax planning, pension analysis, and income optimization
- No sales pressure—just clear, experienced advice
If you’re within 10 years of retiring or already evaluating your options, we’ll meet you where you are and help you move forward with clarity.
Take the First Step: Let’s Talk About Your Federal Retirement
We offer a free Federal Benefits Analysis to help you see how your current benefits and savings align with your future plans.
From there, we’ll help you create a clear retirement roadmap—so you can make informed decisions now and stay confident later.
Ready to see what’s possible?
Schedule a Federal Benefits Review or visit our full Federal Employee Retirement Planning page for a detailed look at how we help.
