FERS Retirement Planner Oshkosh

Federal Employee Retirement Planning for Oshkosh, Wisconsin — available via phone and Zoom.

Your FERS Advisor in Oshkosh, Wisconsin

Are you a federal employee in Oshkosh, Wisconsin approaching retirement under FERS? The Spivak Financial Group specializes in helping federal employees throughout the Oshkosh area navigate every aspect of their FERS benefits — from pension calculation and TSP optimization to Social Security timing and FEHB coverage in retirement. We serve Oshkosh clients entirely via phone and Zoom for maximum convenience.

Federal employees in the Oshkosh area who work with The Spivak Financial Group receive a comprehensive FERS retirement plan that coordinates all three legs of the FERS stool: your Basic Benefit Plan pension, your Thrift Savings Plan, and Social Security. We also help Oshkosh area federal employees navigate FEHB, FEGLI, and survivor benefit decisions that can have a lasting impact on your family's financial security.

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 in Oshkosh and throughout Wisconsin. Here at The Spivak Financial Group, we are truly independent Financial Advisors. Our team has 50+ years of combined financial planning experience. We advise Federal Employees in Oshkosh and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for Oshkosh Federal Employees

FERS Pension Calculation & Analysis

TSP Optimization & Withdrawal Planning

Social Security Claiming Strategy

FEHB Coverage in Retirement

FEGLI Life Insurance Review

FERS Supplement Planning

Survivor Benefit Election

Tax-Efficient Retirement Income

Book a Free Consultation Call: 888-966-3055

FERS Retirement Questions from Oshkosh Federal Employees

What are the biggest FERS retirement mistakes made by Oshkosh federal employees?

The most common FERS retirement mistakes we see among Oshkosh area federal employees include: retiring too early and missing out on the 1.1% pension multiplier; not contributing enough to the TSP to capture the full agency match; choosing the wrong survivor benefit election; claiming Social Security too early; and failing to plan for the tax impact of TSP withdrawals. A FERS advisor in Oshkosh can help you avoid these costly errors.

How does Social Security work with my FERS pension in Oshkosh?

Unlike employees under the older CSRS system, FERS employees are fully covered by Social Security. Your FERS pension and Social Security work together as two of the three legs of the FERS retirement "stool" (along with your TSP). The optimal Social Security claiming age for Oshkosh area federal employees depends on your health, other income sources, and longevity expectations — a FERS retirement planner can help you determine the best strategy.

Can a FERS retirement planner help me with my TSP withdrawal strategy in Oshkosh?

Absolutely. TSP withdrawal planning is one of the most important — and most complex — aspects of FERS retirement planning for Oshkosh area federal employees. The Spivak Financial Group helps Oshkosh clients develop tax-efficient TSP withdrawal strategies that minimize their lifetime tax burden, manage Required Minimum Distributions, and coordinate TSP withdrawals with their FERS pension and Social Security income.

Is The Spivak Financial Group a fiduciary FERS advisor for Oshkosh federal employees?

Yes. The Spivak Financial Group is a fiduciary financial advisor, which means we are legally obligated to act in your best interest at all times. We do not earn commissions on product sales — our advice is always objective and focused on maximizing your FERS retirement benefits. We serve Oshkosh area federal employees throughout Wisconsin via phone and Zoom.

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