FEDERAL EMPLOYEE BENEFITS HELP

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All of our experts are Federal Retirement Consultants (FRC), fully trained and certified in CSRS + FERS employee benefits.

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In-depth discussion of federal employee benefits
Answers to your benefit questions
Identifying potential benefit gaps + problems + solutions
Comprehensive Benefits Review (a personalized written report)
Pension projections
Retirement Income Planning
Risk-free solutions for increasing permanent retirement income

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FREE Limited-Time Offer

Proper estate planning is important for every family.

Receive your choice of top-quality Estate Planning document set for FREE.

(A $199-$599 value.)

Watch the "Benefit Gaps >> Estate Planning" video below for details.

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Video Library

Note: These short videos cover major rules and guidelines which apply to the vast majority of federal employees. Exceptions and special cases do exist and should always be discussed one-on-one.

Major Benefits

Thrift Savings Plan (TSP)

Benefit Gaps

Misc / Other

News + Updates

Jan/Feb 2026

— There is now a “Roth in-plan conversion” process where federal employees can convert savings from Traditional TSP to Roth TSP.

— 2026 Cost of Living Adjustment (COLA) for FERS retirees: 2.0%

— 2026 COLA for CSRS retirees: 2.8%

— TSP standard contribution limit for 2026: $24,500

— TSP additional catch-up contribution limit (ages 50+): $8000

— TSP “super-catch-up” allowed for ages 60-63. Limit: $11,250 (meaning an additional $3250 above the standard catch-up limit)

— Rate increases for group life insurance are likely this year

— Health insurance (FEHB) rates increased by about 12%

May 2026

— Admin is trying to apply a 2026 Pay Freeze and to cancel the Cost of Living Adjustment for early 2027

— Layoffs may be coming to USPS this year

June 2026

— Proposed 2027 Cost of Living Adjustment (COLA): 3.6%

— BACKLOG UPDATE: Digital retirement applications may take about 50 days for processing. Paper applications may take 100 days.

General Recommendations for Federal Employees

Age 40+

Make sure you have proper Estate Planning documents (prepared, signed, witnessed and fully executed).

Age 50+

Review your life insurance needs and costs. Consider adding Short-Term Care (STC) insurance. Request the free comprehensive written Benefits Review report (described in the "Employee Resources" video).

Age 60+

Let’s discuss Retirement Income Planning.

Any age

Speak with a certified Benefit Expert:

Get answers to quick (or not-so-quick) questions. Do you have an old 401(k) and want to learn how to build a retirement income for the future? Are you leaving government service this year? Do you know how your benefits will change when you retire? -- Don't make assumptions. Get answers.

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