Retire with Answers.
Not Questions.
Your federal benefits. Your whole retirement.
One coordinated strategy.
We help federal employees make confident decisions with a personalized retirement analysis that looks at all the pieces together - so you maximize your benefits, protect your income, and step in the future with clarity.
Thrift Savings Plan (TSP)
Maximize your savings and withdrawal strategy.
FERS Pension
Understand your annuity, supplement and timing options.
Social Security
Know how and when to claim for the most income.
Retirement Income
Coordinate your benefits for a more secure future.
FEHB & Medicare
Plan for coverage now and in retirement.
FEGLI
Review your options and future costs.
A simple, structured process to help you make informed decisions.
38 YEARS OF EXPERTISE
Trusted guidance for federal employees
FEDERAL BENEFITS SPECIALISTS
FERS, TSP, FEHB, FEGLI, Social Security & more
SERVING ALL 50 STATES
In-person and virtual consultations
Our 3-Step Retirement Analysis
Gather the
Facts
We collect the key details about your service, benefits, and financial goals.
Ask the Right Questions
We explore your options, identify opportunities and address what matters most to you and your family.
Decide with Confidence
You receive a personalized analysis and clear next steps so you can move forward with confidence.
The Income Question
How will your pension, Social Security, and retirement savings support your monthly income needs?
Slide down for answer.
Retirement can change your FEHB eligibility, FEGLI premiums, and the financial protection available to your spouse.
In some cases, your federal benefits offer the best coverage at the lowest cost. In others, combining federal benefits with alternative coverage or supplemental strategies may provide better protection and meaningful savings.
The goal isn't simply to keep your benefits. It's to find the right balance of coverage, cost, and protection for your retirement.
The Transition Question
Are you financially prepared for the period between your last federal paycheck and the start of regular retirement payments?
Slide down for answer.
Your federal paycheck stops when you retire, but your full pension payments may take months to begin.
Federal Solutions helps you prepare your retirement paperwork to reflect your goals and benefit elections, while developing a strategy to cover expenses during the transition. We'll help you identify how much money you may need, where it could come from, and how to bridge the gap without unnecessarily disrupting your long-term retirement plan.
A confident retirement starts with the right paperwork, and a plan for the paychecks in between.
The Protection Question
What happens to your health coverage, life insurance, and survivor benefits after retirement?
Slide down for answer.
Six months could mean a higher FERS pension, reaching an important eligibility milestone, or very little additional retirement income.
For some federal employees, working longer significantly improves their benefits. For others, the financial gain may be minimal. Understanding the difference can help you avoid retiring too early, or working longer than necessary.
The goal isn't simply to work longer. It's to know when working longer stops working for you.
The Timing Question
Could retiring six months earlier or later affect your eligibility, income, or benefits?
Slide down for answer.
Your FERS pension, Social Security, and TSP each operate differently. When you claim benefits, how you withdraw savings, and how you manage taxes can significantly affect your monthly income, and how long your money lasts.
Federal Solutions helps you coordinate these income sources, identify potential shortfalls, and explore strategies for dependable income throughout retirement.
The goal isn't simply to have enough money to retire. It's to have a plan that helps your money last throughout retirement.
Frequently Asked Questions About Your Federal Retirement Analysis
1. When can I retire under FERS, and how much will my pension be?
Your retirement eligibility and pension depend on your age, years of creditable service, high-3 average salary, and applicable FERS retirement rules. Federal Solutions helps you understand your eligibility, estimate your pension, and explore how different retirement dates may affect your benefits and income.
2. How do my FERS pension, TSP, and Social Security work together in retirement?
Your FERS pension, Thrift Savings Plan (TSP), and Social Security can provide complementary sources of retirement income. But when and how you access each can significantly affect your financial future. Our comprehensive federal retirement analysis helps you understand how these benefits interact and identify potential income gaps.
3. What happens to my FEHB and FEGLI benefits when I retire?
Your federal health and life insurance benefits don't necessarily end when you retire, but eligibility, coverage options, and costs may change. Federal Solutions helps you understand FEHB continuation requirements, Medicare considerations, FEGLI coverage choices, and potential changes in premiums so you can make informed decisions before retirement.
4. What is included in a complimentary Federal Retirement Analysis?
Your personalized Federal Solutions Retirement Analysis examines your federal retirement eligibility, estimated pension, TSP, Social Security, and applicable insurance benefits. We help you understand how your benefits work together, explore retirement timing considerations, and identify potential gaps or unanswered questions.
Our Goal | Help you retire with answers, not questions.
CONTROL YOUR OWN FINANCIAL FUTURE
Federal Solutions is known in the Federal & Financial sector for its ethical standards
and as the nationwide specialists in Federal Employee Benefits and Retirement.
Check out our Federal Retirement Optimization Strategy™
Built to protect TSP savings, minimize tax exposure, and turn federal benefits into a lifetime plan.
63%
Of Federal Employees have never received basic financial advice about their benefits and retirement.
EBRI, American Savings Education Council
60%
Of Federal Employees rely solely on the retirement advice of Family and Friends.
Alli MarketWatch in 2025, Bankrate survey 2023
58%
Of federal workers do not feel prepared for retirement.
Allianz Life 2024 Retirement Study
30%
Of federal retirement applications are turned in to OPM with at least one benefit-delaying error. We are here to help you get it right.
OPM’s Agency Retirement Case Accuracy Report
Serving Federal Employees for Over 30-Years
Because your Best Decisions
are Informed Decisions ©.
Benefits Tailored for Federal Employees
As a government employee, you are eligible for certain supplemental benefit plans that are not available to the general public.
Federal Solutions Experts are dedicated to providing you with options, when requested, for supplemental products that fill in the gaps of federal retirement benefits, ensuring comprehensive coverage for our clients.
Our goal is to help you keep your costs and taxes to a minimum while maximizing your retirement coverage.
Not all providers are the same. At Federal Solutions, we independently source providers, know them, and will review and compare current top-performing benefits and retirement options. Get answers to Federal Retirement questions (FEGLI, FERS, more).
Your Retirement Is More Than a Pension Calculation
Your federal benefits are interconnected. Your retirement strategy should be, too.
When you retire, decisions about your FERS, TSP, Social Security, health coverage, and life insurance can affect one another. Federal Solutions helps you see the bigger picture, understand your benefits, explore your options, and identify the questions that matter before you make important retirement decisions.
Retire with Answers. Not Questions.
Leverage the expertise of a trusted Federal Solutions’ Expert equipped to navigate the challenges of retirement planning with conviction and clarity.
Federal Solutions will help you work the numbers.
Just as importantly, we will work with to ensure your resources are aligned with your plans for retirement..
Why Federal Employees Trust Federal Solutions
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We are the nation's Federal Employee Retirement Experts
TRAINED | LICENSED | CERITFIED & OPM ALIGNED
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Licensed in All 50 States
SERVING CLIENTS IN YOUR HOME STATE
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CAGE Registered Government Contractor
VERIFIED
Free Educational Webinars & Seminars for Your Team | Government Recognized Provider -
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TSP
WHAT FEDERAL EMPLOYEES NEED TO KNOW
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Trusted by National News Organizations
FEATURED
Focused, approachable, and driven by results, our sales manager is all about building strong relationships. They help connect people to the right solutions—with clarity and care. -
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Best of the Best
TOP TALENT WITH AN UNWAVERING COMMITMENT TO FEDERAL EMPLOYEES
