Financial Planning for Federal Employees
At FMS Financial Services, we specialize in helping federal employees navigate the complexiies of their retirement benefits. Whether you’re just starting your federal career or preparing to retire, understanding how your benefits work is essential to making informed financial decisions.
Your
Social Security Roadmap
Understanding when and how to claim Social Security can make a big difference in your retirement strategy. Our Social Security Roadmap helps you plan the best approach for maximizing your benefits.
Expert Guidance Through Every Stage of Your Career
We’ve partnered with Fed Pilot to provide in-depth training and personalized guidance on federal benefits, including:
FERS & CSRS Pensions
Understanding your pension calculation and retirement eligibility
Social Security Benefits
How and when to claim for the best outcome
Thrift Savings Plan (TSP)
Investment options and withdrawal strategies
Federal Employee Health Benefits (FEHB)
Coordinating with Medicare and other coverage
Special Retirement Supplement (SRS)
Eligibility and payment estimates
Federal Employee Group Life Insurance (FEGLI)
Choosing the right coverage for your needs
Survivor Benefit Program (SBP)
Protecting your spouse and loved ones
Long-Term Care Insurance (FLTCIP)
Planning for future care needs
Workshops and Personalized Planning
We regularly host workshops designed specifically for federal employees, explaining each piece of the benefits puzzle and how to choose the best options for your situation. These workshops qualify for official training credit under the financial literacy initiative with submission of SF-182.
After completing a workshop, you’ll have the opportunity for a one-on-one session, where we’ll create a detailed report tailored to your financial picture. This report integrates your federal benefits into a comprehensive plan to help you retire confidently while managing taxes and maximizing your resources.
Take the next step in securing your financial future. Register for a workshop today!