Federal Employees Retirement System
Federal employees often face challenges in navigating the Federal Employees Retirement System (FERS) and Thrift Savings Plan (TSP) due to the system’s complexities, processing delays and the need for integrated financial planning. At Five Corners Financial Planning, we have extensive experience supporting clients with FERS benefits analyses, personalized retirement income projections and strategic planning that integrates the various federal employee benefits into a single, comprehensive strategy.
Our FERS services include:
FERS education and guidance
We take time to educate you on your FERS options and ensure you’re familiar with rules related to eligibility, service time, annuity formulas, retirement eligibility dates, survivor benefits and more. We also help you make critical decisions related to the FERS Annuity Supplement, survivor benefits and the impact of sick leave balances on your service credit.
Integrated income streams
We support you in creating a tax-efficient retirement income stream by ensuring your FERS annuities and Thrift Savings Plan (TSP) benefits savings are integrated with your Social Security benefits and other sources of retirement income.
TSP optimization
We help you select TSP funds that align with your risk tolerance and manage contribution rates to maximize your TSP match.
Ongoing support
We are available to meet as often as you need to answer questions, review your options and adjust your strategies to meet the needs of your ever-evolving life and goals.
Community Partnerships
We are dedicated to supporting a wide range of charitable organizations and community-focused initiatives across both local and national communities