Most Federal employees retire leaving thousands on the table — through a misconfigured TSP, overpaid FEGLI premiums, or a pension they never fully optimized. A free 20-minute review changes that.
🔒 No cost · No obligation · No sales pressure
The Federal benefits system is complex — and HR departments can explain what your benefits are, but not how to optimize them.
Over 60% of Federal employees have never adjusted their TSP allocation from the default Lifecycle fund — which may not match their actual retirement timeline or risk tolerance.
FEGLI premiums increase dramatically after age 45. Most employees don't realize private alternatives can provide the same or better coverage for significantly less.
Retiring just 3–6 months early or late can mean the difference of tens of thousands of dollars in lifetime pension income. Most employees never model this.
A complete picture of your retirement readiness — in 20 minutes.
We review your current allocation, compare it against your retirement date, and show you exactly what adjustments could mean for your balance.
We calculate your exact pension at 3–4 different retirement dates so you can see the true cost or benefit of each option.
Side-by-side breakdown of your current FEGLI premium vs. private market alternatives — at your exact age and coverage level.
We model every SBP election scenario so you understand the long-term financial impact before making a permanent, irrevocable decision.
For FERS employees, we show how your Social Security claiming age interacts with your pension and TSP to maximize total retirement income.
You'll receive a personalized summary of your review with key numbers and recommended next steps — no obligation to do anything with it.
No pressure. Ever. Our reviews are genuinely free with zero obligation. We share what we find, answer your questions, and leave the decision entirely with you.
20 minutes. Completely free. No sales pitch — just a clear picture of where you stand and what you could be doing differently.
Pick any available time below. Sessions are conducted by phone or video — whichever you prefer.
Schedule My Free Review →🔒 Your information is never sold or shared. Sessions are conducted by licensed Federal benefits specialists.
Yes, completely free. We offer no-obligation reviews because we find that Federal employees who understand their full picture are more likely to work with us long-term — but there's no pressure or expectation to do so.
No. We are an independent financial services firm that specializes exclusively in Federal employee benefits. We have no government affiliation.
Absolutely. We work with both FERS and CSRS employees and understand the key differences, including the CSRS Offset, Voluntary Contributions Program, and survivor annuity elections.
Nothing is required — but having your most recent SF-50 (Personnel Action), TSP statement, and FEGLI election on hand helps us give you the most accurate picture in the shortest time.
It's actually the ideal time. The changes that have the most impact — TSP allocation, FEGLI optimization, and retirement date planning — are most valuable when made early. The closer you are to retirement, the fewer options you have.
We send you a written summary of your review with key numbers and any recommendations. If you'd like to move forward with any of the strategies discussed, we're happy to help — but there's no obligation.