Retirement Planning for Federal Employees
Customized Retirement Planning to ensure you retire with confidence and security.
Get Expert Guidance for a Secure Retirement
Retirement planning for federal employees is complex. With FERS, CSRS, TSP, FEHB, Social Security, and Survivor Benefits to consider, it’s easy to feel overwhelmed. That’s where we come in.
At Independence Benefits, we specialize in Federal Employee Retirement Counseling. We help you navigate your options and maximize your benefits so that you can retire with confidence.
Why Federal Employees Need Retirement Counseling
Key Statistics:
80% of federal employees don’t know their exact retirement eligibility date. (OPM, 2024)
72% of retirees regret not planning their finances sooner. (Employee Benefit Research Institute, 2023)
50% of FERS retirees don’t know how their pension, Social Security, and TSP work together. (Government Accountability Office, 2023)
1 in 3 retirees underestimates their healthcare costs in retirement. (Fidelity, 2024)
Without the right retirement strategy, you could lose thousands in missed benefits or unnecessary taxes. Our federal retirement specialists ensure you make the most of your benefits and avoid costly mistakes.
How Retirement Counseling Helps You
Understand Your FERS/CSRS Pension – We calculate your pension amount and explain survivor benefit options.
Maximize Your TSP Withdrawals – We create a tax-efficient withdrawal strategy so you don’t run out of money.
Optimize Your Social Security Benefits – We help you decide when to claim Social Security for maximum lifetime income.
Ensure Healthcare & FEHB Continuation – We guide you through Medicare vs. FEHB so you keep the best coverage at the lowest cost.
Avoid Retirement Pitfalls – We ensure you meet service requirements, use sick leave wisely, and don’t get caught off guard by unexpected delays or tax penalties.
Frequently Asked Questions (FAQs)
1. What does a federal retirement counselor do?
We help federal employees understand their retirement benefits, create a financial plan, and ensure a smooth transition into retirement.
2. When should I start planning for retirement?
It’s never too early! Ideally, you should start at least 5-10 years before retirement, but we can help even if you're 1 year away or already retired.
3. How do I know if I’m financially ready to retire?
We review your pension, TSP, Social Security, healthcare costs, and expected expenses to determine if you’re financially secure for retirement.
4. What if I don’t understand my FERS benefits?
That’s what we’re here for! We simplify the process and break down your pension, retirement eligibility, and options in easy-to-understand terms.
5. Can I retire early as a federal employee?
Yes, but early retirement comes with penalties and reduced benefits. We help you explore MRA +10, deferred retirement, and early-out options.
6. What happens if I leave federal service before retirement?
You may be eligible for deferred retirement or TSP rollovers. We help you make the best decision for your situation.
7. How do I schedule a retirement consultation?
It’s easy! Contact us today, and we’ll walk you through everything step by step.
📍 Get the Retirement Clarity You Deserve
Your federal career was built on service and dedication—now it’s time to secure your future with expert guidance. Whether you're 5 years out or retiring this year, we’re here to help!
📞 Schedule Your Free Retirement Consultation Today!