Your federal retirement, planned — not guessed.

Yes. The first 30-minute call costs nothing and comes with no obligation to buy anything. If you choose to keep working with the professional, any fees are explained and agreed directly with them before you commit.

An independent, licensed financial professional who works with federal employees and is licensed in your state. You can read their profile, credentials and states served before the call.

You talk through your retirement date, pension estimate, TSP, Social Security, survivor benefit and FEHB. You leave with a short list of decisions to make and what to check before you file.

A recent Leave and Earnings Statement, your TSP balance and any OPM estimate help. None of it is required to book.

Yes, and it is a good idea. Survivor-benefit and health-insurance elections affect both of you and are usually permanent.

Yes. Your confirmation email and text include a link to reschedule or cancel at any time.

Ideally five to ten years before your target date, and no later than a year before you file. Your Minimum Retirement Age, years of service and survivor-benefit choice all affect your annuity, and some elections cannot be changed later.

The basic FERS annuity is 1% of your High-3 average salary for each year of creditable service. It rises to 1.1% if you retire at 62 or older with at least 20 years. Unused sick leave can add service time.

You can take installment payments, partial withdrawals, a life annuity or a mix. The right choice depends on your other income, taxes and how long the money needs to last.

Generally yes, if you have been continuously enrolled for the five years before you retire and retire on an immediate annuity. Open Season, from November to mid-December, is when most plan changes happen.

A temporary payment some FERS retirees receive from retirement until age 62, roughly estimating the Social Security earned during federal service. It is subject to an earnings test.

No. We are a marketing and referral platform. We connect federal employees with independent, licensed financial professionals, who provide any advice directly.

Participating professionals pay us for marketing and introductions. That is why the call is free to you, and why you should evaluate any professional before working with them.

Yes. Professionals in our network work with FERS and CSRS employees and retirees, including Postal Service employees.