FERS employees
Three legs — the FERS annuity, Social Security and the TSP. We help you work out when you can go, what each leg will actually pay, and what the gap looks like.
Some federal retirement decisions you only get to make once.
FERS, CSRS, the TSP, FEGLI, survivor benefits — the choices that get locked the day your paperwork is filed. We help federal employees get those calls right while there is still time to change them.
- Serving federal employees since 2019
- Offices in Prescott AZ and Sheridan WY
- BBB accredited
- Woman-owned small business, SAM registered
Who we help
Find yourself below
Federal benefits are not one system. What applies to you depends on which retirement you are under and how close you are.
CSRS employees
A more generous annuity and a set of traps that come with it: the offset, the windfall provision, survivor elections that cannot be reversed. Fewer people still understand CSRS. We do.
Special provisions
Law enforcement, firefighters, air traffic control. Earlier eligibility, mandatory separation ages, a different annuity calculation, and a supplement that behaves in ways that surprise people.
Already retired
The decisions do not stop at the retirement date. Withdrawal strategy, FEHB in retirement, survivor and FEGLI changes as costs rise.
The review
What happens in a benefit review
All reviews are done online and take about 30 minutes. You bring what you have; we do the rest. By the end you will know:
- The earliest date you can retire, and whether it is the best one
- What your annuity is likely to pay, under your actual numbers rather than a generic calculator
- Where your TSP sits against what you will need, and what your withdrawal options really are
- Whether your FEGLI coverage still makes sense at your age and what it will cost as you get older
- What a survivor benefit election means for your spouse — and what it means if you decline it
- How Social Security, any military service, and any offsets fit into the total
- Which forms you need, in what order, and how long OPM is currently taking
There is no cost for the review and no obligation afterwards. If you leave with a plan you can carry out yourself, that is a good outcome.
Proof
What clients say
4.9 out of 5 across 336 reviews collected through Sotellus, an independent review platform.
“Great knowledge. Provided information I was not able to find elsewhere. Gave me confidence in my retirement decision. Totally recommend.”
“They were easy to talk to and did not badger to get me to try something else. I am hoping to find there # if I have questions.”
“Glad I booked a review with Internal Benefits Advisors. Karren and Brandon understood my position and gave good pointers I took advantage of the next day. Looking over the documents sent to me, giving me more to digest. Accounts will look better soon. Thanks.”
Reviews are collected through Sotellus, an independent review platform, and are shown as submitted. Reviewers are clients of Internal Benefit Advisors and were not compensated for their reviews. Individual experiences vary and are not a guarantee of future results.
Resources
Resources that will benefit you.
We publish on what is actually changing — OPM rule changes, FEHB and TSP developments, and the questions that come up most in our reviews.
The report: 10 mistakes federal employees make
Most are made quietly, years before anyone notices, and most cannot be corrected once the paperwork is filed.
TSP seminars for agencies and workplaces
TSP basics, retirement strategies and withdrawal options, delivered at your office at no cost.
Federal Employee Resource Blog
Weekly analysis of OPM rule changes, FEHB and FEGLI updates and TSP developments.
The best time to look at this is before you have set a date.
A benefit review takes about 30 minutes. Getting the date, the TSP, or the survivor election wrong costs considerably more, and most of it cannot be undone.
Book a No Cost Retirement Review
Or call 800-484-5993 — we answer during business hours, 9:00AM - 5:00PM EST, and we will call you back if you leave a message.