Retirement benefit review
The full picture in one sitting — eligibility, annuity estimate, TSP, insurance, survivor benefits, Social Security. This is where most clients start, and for many it is all they need.
What we help with
Four things, and they usually come up together. Most people arrive with one question and leave having answered four.
TSP guidance
What to do with the largest number on your statement. Contribution strategy while you are working, fund allocation as you approach the date, and the withdrawal options once you are out — including the ones that are irreversible.
Retirement paperwork
The forms are where good plans go wrong. We work through the package with you, check the elections against what you actually decided, and tell you what OPM is currently taking to process it.
FEGLI & survivor benefits
FEGLI gets more expensive with age, and the survivor election is one of the few decisions you genuinely cannot revisit. We run the numbers on both together, because they answer the same question.
Four services, one conversation
The retirement date changes the annuity. The annuity changes what the TSP has to produce. The TSP withdrawal changes your tax. The survivor election changes what your spouse is left holding, and whether they keep their health insurance. We start with the review because it is the only way to see all of it at once.