FERS and CSRS, the TSP, FEHB, the FERS Supplement. Each follows its own rules, and the choices you make near retirement are often permanent. We help you read the whole map before you commit.
Your federal benefits are worth more than most people realize, and the big decisions are not always reversible.
As a Chartered Federal Employee Benefits Consultant, Ruth focuses on the rules that are specific to federal employees, so nothing on your benefits statement gets left on the table. We help you coordinate your annuity, your TSP, your insurance, and Social Security into one plan, and we do it as your fiduciary, with your interests first.
Am I reading my FERS or CSRS pension correctly?
What should I do with my TSP at retirement?
When is the right time to retire, to the day?
How do survivor, FEGLI, and FEHB decisions fit together?
We bring planning, tax, and investment management together so every federal benefit decision is made as part of one coordinated plan.
Reading your pension correctly and choosing the right annuity and survivor election, decisions that shape your income for life.
Deciding what to do with your Thrift Savings Plan at and into retirement, including how it fits the rest of your income plan.
Coordinating your health and life insurance choices as you move from employee to retiree, where the rules change.
Pinpointing the right time to retire, often down to the day, to make the most of your benefits.
Coordinating the FERS Supplement and Social Security timing so the pieces work together instead of against each other.
Bringing your annuity, TSP, insurance, taxes, and Social Security into a single plan that fits your whole picture.