For Federal Employees Only
Your Benefits Are More Powerful Than You Think. If You Structure Them Right.
FEGLI
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TSP
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FMLA
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Workers Compensation
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Disability Retirement
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FEHB
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OPM
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FEGLI | TSP | FMLA | Workers Compensation | Disability Retirement | FEHB | OPM |
Federal Employee
Federal employees are one of the most targeted groups in the financial services industry. Every week, someone is sending you an email, hosting a “free lunch seminar,” or calling your agency about a benefits review. Most of them are selling something before they've taught you anything. You deserve better than that and frankly, you're smart enough to know the difference.
Things You Should Know
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If you retire at your MRA and collect your FERS Supplement, it disappears the moment you file for Social Security regardless of your age. If you take Social Security at 62 while still receiving the supplement, you lose one for the other. Most agents never model this for you.
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The G-Fund feels safe because it never loses value. What it quietly does is grow slower than inflation over a 25-year retirement. The feds who stay 100% G-Fund post-retirement often outlive their purchasing power by year 15. There's a smarter structure it just takes 20 minutes to understand.
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You can keep FEHB into retirement and suspend it when you go on Medicare Part B then reinstate it if Medicare changes. Most feds don't know this exists. It's called the Medicare Coordination option and it can save $3,000–$6,000/year depending on your plan.
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You make this election at retirement and it cannot be changed. It affects your spouse's income for the rest of their life if you die first. It costs 10% of your pension if you elect it, and 0% if you don't but if you don't and your spouse outlives you, they get nothing from FERS. This decision deserves its own dedicated conversation. Not a checkbox on a form.
Take the education with you
The Federal Employee Clarity Guide covers the 4 decisions above in plain language plus 6 more things your HR office won't have time to explain. No sales pitch attached. Just the information.
You'll get one follow-up email a few days later. That's it, unless you want to talk.
Why we do what we do?
Over the years, I’ve watched people make retirement decisions based on bad information or no information at all. They'd worked 25 years, earned a good pension, had solid benefits, and still ended up confused at the finish line because nobody had ever sat down and actually explained how it all worked together.
That is why at PlanSmart Financial Group we are not here to sell you a product. We are here to make sure you understand what you have before anyone, including us, recommends anything.
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