Your service record
Service computation date, unused sick leave, part-time or intermittent service, breaks, and any non-deduction service that may need a deposit.
The 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.
Question? Do you know the best time to retire, when you should start taking out Social Security and what impact the TSP withdrawal will make to your income?
The review exists to put all of it on one page, using your numbers, in about 30 minutes.
What we look at
Your eligibility dates
Every date you could go on, not just the first one — and what each one pays. The difference between eligible and advisable is usually worth real money.
The annuity itself
A high-3 based estimate under your own figures, not a generic calculator, together with any supplement you qualify for.
The TSP
Where the balance sits against the gap the annuity and Social Security leave, and what the withdrawal options would actually look like.
Insurance and survivor benefits
FEGLI priced across the whole retirement, the survivor election and what declining it does to your spouse’s FEHB.
The paperwork
Which forms, in what order, and what OPM is currently taking to process them.
- Build the estimate from your actual service history rather than a rule of thumb
- Show you every eligibility date, with what each one pays
- Flag the choices that cannot be undone, before you make them
- Give you the plan in writing, whether or not you work with us afterwards
Common questions
Questions we answer every week
What do I need to bring?
Whatever you have: your most recent leave and earnings statement, your latest TSP statement, any annuity estimate your agency has produced, and your Social Security statement if you have one. If you have none of it, come anyway — we can work out what to request.
How long does it take?
About 30 minutes for the review itself. If your service history is complicated — transfers, military service, breaks, non-covered time — we may need to come back to you once we have reconstructed it properly.
Do I have to come to an office?
No. All reviews are done online.
How early should I be doing this?
Everyone can benefit from this review, whether you just started or are ready to retire. Several of the decisions that matter — deposits for non-deduction service, FEGLI elections, the allocation your TSP has been sitting in — are far easier to act on with five years to run than with five months.
Talk it through with someone who only does this
A benefit review covers this alongside everything else, because in practice it is never a standalone decision.
Book a No Cost Retirement Review
Related: TSP guidance · Retirement paperwork · FEGLI & survivor benefits