About Your FERS Retirement Planner
Meet the team dedicated to helping federal employees across the United States navigate their FERS retirement benefits with confidence.
Stuart J. Spivak
LUTCF | RFC® Senior Partner
Credentials & Designations
- LUTCF — Life Underwriter Training Council Fellow
- RFC® — Registered Financial Consultant
- Fiduciary Financial Advisor
- 35+ Years of Financial Planning Experience
- Member FINRA & SIPC
- Registered Investment Advisor
The Spivak Financial Group
Stuart J. Spivak is a fiduciary financial advisor and retirement planner with 35+ years of wisdom, knowledge and experience. Spivak Financial provides comprehensive, tax-efficient retirement planning and investment management services to help Federal Employees achieve their personal financial goals.
A fundamental aspect of our role as a Federal Employees Retirement System Planner is to provide impartial education to those Federal Employees approaching retirement and those already retired, helping them make informed decisions about their options.
Here at The Spivak Financial Group, we are truly independent Financial Advisors. Our team has 50+ years of combined financial planning experience. Our certifications and licenses allow us to offer a broad array of financial solutions.
We are confident that as more FERS pre-retirees become aware of the advantages of financial planning, appreciate the value in collaborating with us as we prioritize client interests, and recognize our commitment through a legal fiduciary oath, more pre-retirees and retirees will feel at ease seeking financial guidance.
We advise Federal Employees all over the United States and utilize virtual meetings to make it very easy to get the information and help you need.
"You no longer have to be on an island by yourself. Stuart & his TEAM have helped countless pre-retirement Federal Employees to get financially organized and to navigate their future retirement plans."
Our FERS Planning Services
FERS Benefit Analysis
Comprehensive review of your FERS pension, TSP, Social Security, and FEHB benefits to maximize your retirement income.
TSP Optimization
Strategic Thrift Savings Plan allocation and withdrawal planning to minimize taxes and maximize growth.
Income Tax Planning
Tax-efficient retirement income strategies to help you keep more of what you've earned throughout retirement.
FEGLI Review
Federal Employees Group Life Insurance analysis to ensure you have the right coverage at the right cost in retirement.
Social Security Strategy
Optimal Social Security claiming strategies coordinated with your FERS benefits for maximum lifetime income.
Estate Planning Guidance
Beneficiary designations, survivor benefits, and legacy planning to protect your family's financial future.
Ready to Get Started?
Schedule your free consultation today and take the first step toward a confident, well-planned federal retirement.