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FedSafe Retirement
Strategy. Strength. Security.
Critical for those within 12–36 months
of retirement
Federal benefits
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Education‑first
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Transparent
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Federal Retirement Planning for Every Agency

Smart employees prepare well in advance while they still have time to make high-impact improvements - before elections and deadlines lock in. FedSafe helps employees and retirees across all federal agencies and the U.S. Postal Service make confident decisions about FERS/CSRS benefits, FEGLI, TSP, FEHB & Medicare, Social Security, taxes, and retirement income.

Built for near‑retirees
 
Federal‑specific guidance
 
Clear next steps
 
Federal employees near retirement
Planning built for near‑retirees
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The decisions that matter most

A federal retirement is a chain of elections — getting one wrong can change outcomes permanently.

  • Choosing the right retirement date
  • TSP withdrawals & tax strategy
  • FEHB + Medicare coordination
  • Survivor benefits & insurance
  • Social Security timing

Start with a 5–7 minute snapshot

Answer a few questions so your first conversation is focused on what matters most.

Why near‑retirees win with a plan

Within 12–36 months, timing, elections, and paperwork matter more than “generic retirement advice.” A plan helps you act before deadlines lock in.

Consultation and planning
Decisions, elections, confidence
Clean visuals that support — not distract.

Why FedSafe exists

Federal benefits don’t behave like a standard 401(k). We focus on the decisions that are hard to reverse — timing, elections, healthcare coordination, and paperwork deadlines.

Our philosophy

Keep it simple, stay federal-specific, and build a plan that holds up under real deadlines.

What to expect

A clear checklist, a focused consultation, and a short list of high-impact next steps that fit your situation.

Services

Federal retirement planning services focused on the decisions you face before and after retirement.

Federal Benefits Analysis

Eligibility + service history review, pension estimate, survivor tradeoffs.

Retirement Date & Elections

Compare dates, align timing, avoid irreversible mistakes.

FEHB & Medicare Coordination

Enrollment decisions, plan alignment, reduce avoidable out-of-pocket risk.

TSP & Investment Strategy

Traditional vs Roth planning, risk alignment, and retirement-ready allocation.

TSP Withdrawals & Tax Strategy

Sequencing, bracket strategy, RMD planning, and income smoothing.

Social Security Planning

Claim timing models, household coordination, integration with benefits.

Retirement Income Strategy

Year-by-year income map across pension, TSP, Social Security, and other assets.

Insurance & Survivor Planning

FEGLI options, survivor elections, and coverage alignment with goals.

Help with paperwork & filing

Checklist-driven support so forms, documents, and deadlines don’t slip.

Paperwork review
Paperwork confidence
Less stress. Fewer mistakes. Better timing.

Not for everyone

FedSafe is built for employees who are ready to take action — especially within 36 months of retirement. If you’re not ready yet, we’ll point you to education-first resources so you can return when the timing is right.

Team
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Senior Partner 1 (Bio placeholder)⌄
Add credentials, specialties (FERS/CSRS, FEHB/Medicare, TSP/taxes), and a short “why FedSafe” story.
Senior Partner 2 (Bio placeholder)⌄
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Senior Partner 3 (Bio placeholder)⌄
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Senior Partner 4 (Bio placeholder)⌄
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Resources

Education-first resources — quick clarity now, full answers in consultation.

What the checklist is

The Federal Employee Retirement Checklist is a structured, federal-specific way to surface the most common “silent” issues before they become permanent: eligibility timing, retirement date selection, elections, healthcare coordination, withdrawal strategy, and paperwork deadlines.

This checklist is for you if…

You’re within 36 months of retirement and want to confirm eligibility, compare retirement dates, coordinate healthcare, and build a tax-aware income plan.

This checklist is not for you if…

You’re more than 5 years away and you’re not ready to make decisions about timing, elections, or income planning yet. (We can still help — but the checklist is designed for near-retirees.)

Next step
Download checklist (placeholder)
Checklist preview
Checklist → clarity
Find the missing pieces before decisions lock in.
FAQs
Partial answers here — complete, personalized answers in consultation.
1) When is the “best” retirement date?⌄
It depends on leave balances, annuity start timing, COLA rules, and benefit coordination. We compare a few dates and quantify tradeoffs.
2) How is my FERS/CSRS pension calculated?⌄
Generally based on your high‑3 average pay and creditable service, with special rules for certain employees. We verify service and stress-test scenarios.
3) What counts as creditable service?⌄
Rules can include civilian service, deposits/redeposits, and some military service under conditions. We review history and spot gaps.
4) Do I need 5 years of FEHB to keep it in retirement?⌄
Often yes (the 5‑year test) with limited exceptions. We confirm eligibility and timing so you don’t risk losing FEHB.
5) Can I change FEHB plans after I retire?⌄
Typically yes during Open Season and with qualifying events. We align plan choice with expected utilization and Medicare decisions.
6) Should I enroll in Medicare Part B if I have FEHB?⌄
It depends on plan design, premiums, providers, and risk tolerance. We model total cost and coverage tradeoffs.
7) What happens to FEGLI when I retire?⌄
FEGLI can often continue, but reductions and premium options matter. We compare Basic choices and any optional coverage.
8) How do survivor benefits work?⌄
Elections affect your pension and your spouse’s future benefit. The right choice depends on household income, insurance, and goals.
9) What’s the difference between postponed and deferred retirement?⌄
Both involve leaving before an immediate annuity. Rules and FEHB implications can differ. We map eligibility windows and healthcare impact.
10) Can I take TSP withdrawals without penalties if I retire early?⌄
There are age and separation rules that can avoid the 10% penalty, but implementation matters. We build a plan that fits your timeline.
11) What is the FERS Special Retirement Supplement (SRS)?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

12) How does unused sick leave affect my pension?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

13) Should I choose a survivor benefit—and how much does it cost?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

14) How do I coordinate FEHB with Medicare?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

15) Should I use Roth or Traditional TSP in the final years?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

16) What are RMDs and how do they affect my plan?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

17) Can I make a military service deposit (buy back time)?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

18) How do taxes change after retirement?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

19) How do WEP/GPO impact Social Security for federal employees?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

20) What paperwork and deadlines are easy to miss?⌄

Quick guidance here—then in a consultation we apply the rules to your exact service history, benefits, and goals.

Testimonials

A few examples of the experience clients describe.

“Clear, patient guidance that helped me feel confident about timing and next steps.”
“They answered questions I didn’t even know to ask and made the process feel manageable.”
“The plan was organized, actionable, and practical — not generic advice.”
“Communication was fast and thorough. I always knew what was happening next.”
“They helped me connect benefits, taxes, and healthcare into one clear strategy.”
“I left the meeting with real clarity and a short list of high‑impact actions.”

Contact

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Schedule a Consultation

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Federal Retirement Snapshot

5–7 minutes. Helps us focus your first conversation on the decisions that matter most.

Consultation
Fast clarity
Know what matters first.

Bring the right inputs

If you have a tentative retirement date, service history questions, or benefits paperwork, bring it — we’ll focus the conversation quickly.

Videos

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Video learning
Video learning
Fast answers, deeper strategy.

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Disclosures

Plain-English transparency designed for federal employees and retirees.

FedSafe Retirement is an independent retirement planning firm serving employees and retirees across all federal agencies and USPS. FedSafe is not affiliated with the U.S. Government, the Office of Personnel Management (OPM), the Thrift Savings Plan (TSP), or any federal agency. Information provided is for educational purposes and should not be considered individualized financial advice without a formal planning relationship.