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Federal Employees

Specialized Planning for Federal Employees

Helping Federal employees plan and navigate the world of retirement.

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Serving those who serve.

Specialized Planning for Federal Employees
Whether you're a postal worker, air marshall, military retiree,  or any other federal employee you’ve spent your career serving others. But when it comes to navigating the complex and often confusing world of retirement benefits, too many are left guessing — or worse, overpaying.
That’s where we come in.

Federal employees

If your a federal employee you face many decisions when it comes to your benefits and retirement.  Some of these decisions may be around these issues.

TSP Strategy

TSP Strategy

Traditional vs. Roth, withdrawal rules, fund choice timing and RMD decisions.

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FERS Pension & Social Security

FERS Pension & Social Security

Understanding your survivor and withdrawal options

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FEGLI Options

FEGLI Options

How coverage shrinks in retirement and what to do about it.

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Tax effecient income planning

Tax effecient income planning

Roth conversions, IRMAA, MRA, COLA's and phased retirement.

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"Don't let taxes erode the retirement you've earned." MyAdviorJOE

Most federal employees retire with steady income — but no idea on how taxes and inflation will impact their plan over time.

Smart planning helps you avoid costly mistakes

  • Overpaying taxes on your TSP or pension withdrawals
  • Triggering IRMAA penalties on your Medicare premiums
  • Losing your window for tax-free Roth conversions
  • Getting hit hard by Required Minimum Distributions (RMDs) in your 70s
How confident are you in your retirement plan?

How confident are you in your retirement plan?

  • I offer a complimentary assessment for federal employees that will give them a good idea if they are:
  • On track or off track
  • How your pension, TSP, taxable, IRA accounts and Social Security work together
  • Where tax traps or hidden income gaps may exist

“We specialize in serving mass-affluent families with $500K–$4M in net worth.”

Speak to a Professional

If we find you're off-track — or just want to be more strategic — we can discuss a paid planning engagement to build out your full retirement roadmap.   

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