Your federal benefits, decoded
Your benefits are generous, and complicated. Here is how the big pieces fit together, and where federal employees most often leave money on the table.
Six systems, one retirement
Each of these carries a decision that is hard to undo once you retire. We help you get them right, in the right order.
FERS Pension
Your high-3, service years, survivor elections, and the best day to retire, including the 1.1% multiplier at 62.
TSP Strategy
Contribution strategy, fund mix, Roth vs. traditional, and turning your balance into reliable income.
FEGLI
Which coverage to keep, and how to dodge the FEGLI cost-cliff as premiums climb later in retirement.
FEHB
Keep your health coverage for life and coordinate it with Medicare so you never pay twice.
Social Security
When to claim, how it fits with FERS and the special retirement supplement, and the earnings test.
Medicare
Part A, B, and D choices, IRMAA surcharges, and how Medicare works alongside your FEHB plan.
The 2026 federal numbers
TSP limits, FERS, Social Security, Medicare, FEHB, and taxes, the figures we teach from, kept current for 2026.
See how it all fits together
Join a complimentary workshop or webinar with our federal benefits specialist, or grab the resources and we'll keep you posted.