Free Resources

Free federal retirement resources — built for your benefits

Guides, calculators, and articles written specifically for federal employees. Clear, actionable information about FERS, CSRS, TSP, FEGLI, Social Security, and survivor benefits.

Not generic retirement advice that doesn't apply to you — everything here is built around how federal benefits actually work.

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The Federal Employee Retirement Checklist

Every critical decision you need to make before retiring — from calculating your MRA to electing survivor benefits to timing your Social Security claim. Nothing gets overlooked.

  • MRA and retirement date
  • Survivor benefit election
  • FERS supplement timing
  • Social Security claiming
  • TSP withdrawal strategy
  • FEHB and Medicare
  • FEGLI review
  • Beneficiary designations
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Planning Guides

Essential guides built for federal employees

Each guide is designed to help you understand your options and make informed decisions. Download any guide for free — no strings attached.

FERS
FERS Planning Checklist

The fundamentals of FERS retirement — what to calculate, what to elect, and what to get right before you sign anything.

What's inside
  • MRA calculation by birth year
  • FERS supplement timing and phaseout
  • Survivor benefit options
  • TSP withdrawal strategies
  • Social Security coordination
  • Healthcare transition planning
TSP
TSP Optimization Guide

Make sense of your Thrift Savings Plan — from allocation strategy to the Roth vs. Traditional decision to withdrawal sequencing in retirement.

What's inside
  • Roth vs. Traditional decision framework
  • Fund allocation strategies by age
  • Catch-up contribution planning
  • Withdrawal methods to minimize taxes
  • TSP to IRA rollover considerations
FEGLI
FEGLI Cost-Benefit Worksheet

Evaluate your life insurance coverage needs and see what FEGLI is actually costing you — now and at retirement.

What's inside
  • Premium cost projections at 50, 60, and 65
  • Coverage needs based on your situation
  • Private insurance comparison framework
  • Option A, B, and C cost breakdown
Social Security
Social Security for Federal Employees

How your federal service affects your Social Security strategy — updated for the Social Security Fairness Act of 2025 and the repeal of WEP and GPO.

What's inside
  • Claiming age strategies for FERS and CSRS
  • Spousal benefits — now fully restored
  • Coordination with pension and TSP
  • FERS supplement bridge planning
  • Fairness Act retroactive payment guide
Military Buyback
FERS Military Buyback Guide

If you served in the military before becoming a federal employee, this guide walks you through the buyback process, the cost, and the long-term pension impact.

What's inside
  • How military service time increases your pension
  • Cost calculation and break-even analysis
  • Step-by-step application process
  • Deadline considerations and timing
VERA
The Federal Employee's VERA Decision Guide

Considering an early-out offer? This guide walks you through everything you need to know before you say yes or no — pension impact, TSP options, the FERS Supplement gap, FEGLI, FEHB, and more.

What's inside
  • VERA eligibility checklist
  • The FERS Supplement gap — $500–$900/month most employees miss
  • TSP options and the 10% penalty exception
  • Decision framework — stay or go?
  • USPS/postal worker specific section
  • 9 action steps to take right now
Survivor Benefits
Surviving Spouse Federal Benefits Workbook

A comprehensive 37-page workbook for surviving spouses of federal employees — covering every benefit, every election, and every decision that follows the loss of a federal retiree.

What's inside
  • Survivor annuity and pension continuation
  • FEHB continuation for surviving spouses
  • Social Security survivor benefits
  • Fillable worksheets and action checklists

Ready for personalized guidance?

The guides and calculators are a great start — but every federal employee's situation is different. Schedule a free analysis and we'll build a strategy around yours.