MRA calculations, FERS supplement timing, CSRS offset rules — one wrong decision costs you thousands per year, for life. We make sure you get every dollar you've earned.
MRA eligibility, deferred vs. postponed retirement, the FERS supplement phaseout, CSRS offset — these aren't small details. Getting them wrong locks in permanent reductions you can never recover. Most financial advisors have never heard of these rules, let alone know how to optimize them.
When can you retire with full benefits versus reduced benefits? The answer depends on your birth year, your years of service, and your retirement system — and the difference between getting it right and wrong can be thousands of dollars per year, permanently.
FERS employees receive a special supplement until 62 that approximates Social Security — but it phases out with earned income and ends regardless of when you claim Social Security. CSRS Offset employees have an entirely different set of rules. Most advisors don't know the difference.
Your FERS pension, TSP withdrawals, and Social Security must work together — or you'll pay more in taxes and potentially lose income unnecessarily. The sequencing of when you draw from each source is one of the highest-leverage decisions in federal retirement planning.
Your retirement system, your years of service, and how close you are to retirement all determine what decisions matter most right now. We meet you where you are.
Building toward MRA with a strategy that coordinates your pension, TSP, FERS supplement, and Social Security.
Maximizing a pension most financial advisors don't understand — including CSRS Offset rules and Social Security coordination.
Law enforcement, firefighters, and air traffic controllers — unique eligibility rules, earlier retirement ages, and calculations most advisors have never seen.
The closer you get, the more critical accuracy becomes. Irrevocable elections — survivor benefits, FEGLI, TSP withdrawals — need to be right before you sign anything.
Federal retirement planning requires more than basic number-crunching. We analyze your specific situation to build a strategy tailored to your life — not a generic template.
Special provision employees are subject to mandatory retirement ages and have access to retirement benefits most federal employees don't. The enhanced pension calculation, earlier MRA, and supplement timing all work differently — and the planning implications are significant.
We understand these provisions with precision. If you qualify, we make sure you know exactly when you're eligible, what your benefit will be, and how to maximize every dollar available to you under your specific position classification.
A complete federal retirement strategy isn't a single document — it's a clear picture of every decision, every date, and every dollar, built around your specific benefits and goals.
Exactly when you can retire, under which conditions, and what each date means for your monthly pension — no guessing.
Side-by-side comparison of retiring at MRA, full retirement, or delaying — with the pension, supplement, and Social Security numbers for each.
Know exactly how long you'll receive the supplement, how earned income affects it, and how to bridge to Social Security without a gap.
A withdrawal strategy that coordinates your pension, TSP, and Social Security to keep your tax bracket as low as possible throughout retirement.
Pre-retirement guidance on the elections you'll need to make before you sign — so nothing is irrevocably wrong on your first day of retirement.
Federal benefits rules evolve. We stay current so your plan stays accurate — and we update your strategy when something changes that affects your numbers.
They made sense of my FERS options in a way nobody else could. I felt confident about my retirement for the first time.
Schedule a free analysis. We'll run your numbers, model your retirement date options, and show you exactly what your federal benefits are worth.