Make the Most of Your FERS, CSRS, TSP and FEHB Benefits
Understand Your Federal Benefits
Your pension, supplements, insurance and savings plans all shape your future, and the choices you make matter. Get personalized guidance to understand your federal benefits.
Federal Retirement Benefits Are Complex
Federal benefits can be some of the best in the country, but they can also be some of the most complex. Small missteps with your benefits — choosing the wrong insurance option, mistiming your retirement or overlooking a supplement — can follow you for decades.
We’re here to make sure that doesn’t happen.
We Understand Your Unique Options
At LifePlan Retirement Consultants, we help federal employees turn confusion into confidence so your benefit choices work in your favor, now and in retirement.
Through extensive training, our firm knows the ins and outs of the programs that shape your retirement, including:
Your Federal Employees’ Group Life Insurance seems simple on the surface — but the costs and coverage options shift as you age, and many employees pay far more than they should for coverage they may not need.
We help you review your Basic and Optional coverage, understand how premiums change over time and compare your FEGLI options against alternatives. The result is a life insurance strategy that protects your family without draining your retirement income.
Your CSRS or FERS pension is likely the cornerstone of your retirement. But the decisions surrounding it — when to retire, how to elect survivor benefits and how to protect your spouse — carry lasting consequences.
We’ll walk you through the trade-offs. You’ll see how different elections affect your monthly income, your survivor’s future security and your overall plan so you can choose with clarity.
If you’re a FERS employee planning to retire before age 62, the FERS supplement can bridge the gap until Social Security kicks in. Yet many employees don’t fully understand who qualifies, how it’s calculated or how earnings after retirement can reduce it.
We help you determine whether you’re eligible, estimate what you can expect to receive and plan around the earnings limits so this valuable benefit fits smoothly into your retirement income strategy.
Federal Employees Health Benefits coverage is one of your most prized benefits, and it continues into retirement. But once you approach 65, you’ll face important questions about how FEHB works alongside Medicare.
Should you enroll in Medicare Part B? How do the two programs coordinate? We help you weigh the costs and coverage of each option so you keep strong protection without paying for benefits you don’t need.
Your Thrift Savings Plan is a powerful retirement tool — but the decisions don’t stop when you retire. Withdrawal strategies, fund allocation, rollovers and required distributions all affect how long your savings last.
We help you understand your TSP options and build a withdrawal approach that supports your income needs while managing taxes and risk. The goal is simple: make your TSP work as hard as you did to build it.
Take the Guesswork Out of Retiring from Federal Service
We partner with ProFeds to offer the FedImpact Retirement Workshop — a class built specifically for federal employees who want to understand their benefits. Rather than getting lost in technical rules, you’ll learn how to apply what matters to your own situation.
The workshop is especially valuable if you’re within five to 10 years of retirement, and we tailor the material for special groups like law enforcement officers, air traffic controllers and firefighters.
