Retirement Income Planning, Annuities & Federal Benefits
Coordinate Social Security, pensions, TSP, annuities, and life insurance into income you cannot outlive. Includes planning for federal employees on FERS and CSRS.
Retirement income that lasts as long as you do
We coordinate Social Security, pensions, federal benefits, annuities, and life insurance to build income that holds up in different market and tax environments.
Retirement planning
A plan for which dollars you spend first, and how each one is taxed.
- Build income streams that aren't all taxed at the same rate
- Use cash value for flexibility on when you tap retirement accounts
- Coordinate with Roth, IRA, and employer plans
- Plan Social Security timing alongside other income
- Reduce sequence-of-returns risk early in retirement
Federal employee retirement
A review built around your FERS or CSRS benefits.
- FERS, CSRS, and Thrift Savings Plan options
- Survivor benefit elections and their cost
- FEGLI decisions at and after retirement
- How private life insurance complements federal benefits
- TSP withdrawal and tax strategy
Lifetime income with annuities
An annuity turns part of your savings into a paycheck that continues for life, much like a private pension. We use annuities for the income you need to cover, and keep other dollars flexible for growth and legacy.
Set rate for a set period, with principal protected by the issuing insurer.
Growth linked to an index with downside protection, plus optional lifetime income riders.
Convert a lump sum into guaranteed income that starts right away.
Guarantees depend on the claims-paying ability of the issuing insurer. Annuities have fees, surrender periods, and tax rules, so we compare options before recommending one.
Plan my retirement incomeRelated services
Federal Employee Retirement
Planning built around FERS, CSRS, TSP, survivor benefits, and FEGLI.
Learn moreTax-Free Wealth Transfer
Income-tax-free death benefits and estate liquidity for your heirs.
Learn moreReady to talk it through?
A 20–40 minute conversation about your goals. Plain explanations, no jargon or pressure.