Preparing for Retirement: Your Step-by-Step Guide

Planning for retirement means more than saving. It means understanding how your federal benefits fit together and comparing choices. We provide a thorough explanation of your current benefits and education about private options.

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Key Considerations

Creditable Service

Make sure all eligible federal service including military time is properly documented for an accurate pension calculation.

Best Dates to Retire

Retiring at different times can affect your pension calculation and TSP withdrawals.

Tax Implications

Learn about possibilities with a benefits specialist.

Your Retirement Timeline

Timing matters. We explain key milestones like considering a military service deposit and understanding retirement-date trade-offs so you can see how your benefits and savings work together.

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Living Beyond Limitations

Market swings happen. Some keep everything in the TSP; others consider other options.

Learn More About TSP

Beyond the Paperwork

Lifetime‑income features involve fees, caps/spreads, surrender periods, liquidity limits, and tax considerations.

Explore Your Federal Benefit Options

Explore Key Decisions

TSP Withdrawal Strategies

How and when you withdraw from your TSP impacts your taxes, income stability, and long-term goals. We'll walk you through timing and rollover options.

When Can I Withdraw?

Survivor Benefit Election

Choosing a survivor benefit affects your monthly pension and can overlap with principal-protected income. We will help you balance the tradeoffs.

FEHB Insurance Options

You may be able to continue FEHB coverage into retirement. We help you confirm eligibility, review cost implications, and coordinate with your income plan.

Choose the Right Plan