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Federal Employee Retirement Planning: FERS, CSRS & TSP

Make the most of your federal benefits. We coordinate your pension, TSP, Social Security, survivor benefits, and FEGLI with life insurance strategies that protect your family.

Book a callCall (239) 271-3855

Your federal benefits, working together

Federal retirement has more moving parts than most plans. We help you see how each piece fits and where the gaps are.

FERS pension

  • Understand how age and years of service affect your annuity
  • Plan around the Special Retirement Supplement if you qualify
  • Compare retirement timing options

CSRS pension

  • Review your annuity and cost-of-living adjustments
  • Plan income when Social Security may not apply
  • Coordinate with spouse and survivor benefits

Thrift Savings Plan (TSP)

  • Traditional and Roth balances and their tax effects
  • Withdrawal options: installments, annuity, or lump sums
  • Avoid pulling too much from the TSP too soon

Social Security

  • Coordinate claiming age with your pension and TSP
  • Understand how FERS and Social Security work together
  • Plan for taxes on your total retirement income

Survivor benefits

  • Weigh the cost of a survivor annuity against alternatives
  • Protect a spouse who depends on your pension
  • Fill the gap with life insurance when it makes sense

FEGLI

  • Review your Basic and optional coverage
  • See how coverage and costs change in retirement
  • Compare FEGLI with private life insurance

Book a federal benefits review

Where life insurance fits for federal employees

Your pension and TSP are strong foundations, but they may not protect your family or your legacy on their own. Private life insurance can fill the gaps.

A properly structured policy can protect survivor income, replace shrinking FEGLI coverage, and leave a tax-free legacy.
  • Replace income your family would lose if you pass away
  • Offset the pension reduction that comes with a survivor annuity
  • Replace FEGLI coverage that costs more or reduces over time
  • Leave a tax-free legacy to heirs instead of drawing down the TSP
  • Use cash value for flexibility in when you tap retirement accounts

What a federal employee review covers

Bring your benefits statements and we do the rest. No jargon, no pressure.

Gather your numbers

Your pension estimate, TSP balance, Social Security statement, and FEGLI elections, so we work from facts.

Model your retirement income

We map your pension, TSP, and Social Security against your spending and taxes, and show where the gaps are.

Build your coordination plan

We recommend how to handle survivor elections, FEGLI, supplemental life insurance, and TSP withdrawals.

When to review your federal benefits

Early and mid-career

  • Compare life insurance options while you are healthy
  • Build tax-advantaged savings beyond the TSP
  • Protect your family while you build your pension

10 years from retirement

  • Model retirement timing and income
  • Decide how to handle your survivor annuity
  • Plan your FEGLI and TSP strategy

Retired or about to retire

  • Review elections before they become final
  • Coordinate Social Security and TSP withdrawals
  • Protect your spouse and leave a legacy

Avalon Legacy Group is not affiliated with or endorsed by the U.S. government or any federal agency. Federal benefit rules and eligibility change, so confirm details with the Office of Personnel Management or your agency’s HR office.

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Ready to talk it through?

A 20–40 minute conversation about your goals. Plain explanations, no jargon or pressure.

Book a callCall (239) 271-3855