Comprehensive FERS Retirement Planning Services
Navigating the Federal Employees Retirement System requires specialized knowledge and personalized guidance. The Spivak Financial Group offers comprehensive retirement planning services designed specifically for federal employees.
FERS Pension Analysis
We analyze your FERS pension to help you understand your projected annuity under different retirement scenarios. This includes calculating your High-3 average salary, creditable service, and the impact of different retirement dates on your lifetime pension income.
TSP Optimization
Your Thrift Savings Plan is one of your most valuable retirement assets. We help you optimize your TSP contributions, investment allocation, and withdrawal strategy to maximize your retirement income while minimizing taxes.
Social Security Planning
As a FERS employee, you're fully covered by Social Security. We help you determine the optimal age to claim Social Security benefits, considering your health, other income sources, and the interaction with your FERS pension.
FEHB and Medicare Planning
Healthcare is one of the largest expenses in retirement. We help you navigate your FEHB options, understand Medicare enrollment decisions, and develop a comprehensive healthcare strategy for retirement.
Tax-Efficient Retirement Income
We develop personalized strategies to minimize your tax burden in retirement, including Roth conversion analysis, TSP withdrawal sequencing, and income timing strategies.
Get Started Today
Contact The Spivak Financial Group for a free consultation. We serve federal employees across the United States via phone and Zoom.