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# Federal Employee Benefit & Retirement Agency

## Sitemaps
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## Posts
- [Federal Health Care Benefits Explained: What Retirees Must Know Before 2026](https://gofebra.com/federal-health-care-benefits-explained-what-retirees-must-know-before-2026/): Federal health care benefits are one of the greatest advantages of working as a USPS or other federal employee. In 2026 and beyond, these benefits are expected to remain a cornerstone of retirement security — but only if you understand how to use them correctly. At FEBRA, we guide federal workers through the details of their coverage so they can avoid costly mistakes and ensure they’re fully protected in retirement.
- [TSP Annuity Estimate: How to Choose the Right Path for Retirement Security](https://gofebra.com/understanding-tsp-annuity-options-how-to-choose-the-right-path-for-retirement-security/): A tsp annuity estimate is one of the most important tools USPS and other federal employees can use to prepare for retirement. It provides a projection of how much income your Thrift Savings Plan (TSP) can generate through an annuity, allowing you to see whether your savings align with your retirement goals. At FEBRA, we help federal workers analyze their tsp annuity estimate so they can make confident, informed decisions about their retirement income strategy.
- [Social Security Supplement: How USPS Employees Can Maximize Early Retirement Income](https://gofebra.com/social-security-supplement-how-usps-employees-can-maximize-early-retirement-income/): The social security supplement is one of the most overlooked benefits available to USPS and other federal employees under FERS. Often called the “FERS Supplement,” it provides additional income for those who retire before becoming eligible for Social Security. At FEBRA, we help federal workers understand how this benefit works, who qualifies, and how it fits into a comprehensive retirement plan.
- [Federal Air Marshal Retirement: What You Need to Know About Benefits and Eligibility](https://gofebra.com/federal-air-marshal-retirement-what-you-need-to-know-about-benefits-and-eligibility/): Federal air marshal retirement benefits differ in several key ways from other federal employee retirement plans. If you are a federal air marshal or planning to become one, understanding your retirement options is critical to securing your financial future. At FEBRA, we specialize in helping federal employees like air marshals navigate their unique benefits, ensuring they maximize income and protect their retirement years.
- [Common TSP Mistakes Federal Employees Make (And How to Fix Them)](https://gofebra.com/common-tsp-mistakes-federal-employees-make-and-how-to-fix-them/): For many federal employees, the Thrift Savings Plan (TSP) is one of the most powerful tools for building long-term retirement security. Yet, even with its straightforward design, behavioral biases often lead participants to make poor decisions that can erode their returns over time. Understanding these common psychological pitfalls—and how to correct them—can help federal workers make smarter, more consistent investing choices.
- [Roth vs Traditional TSP: Which One Is Right for You?](https://gofebra.com/roth-vs-traditional-tsp-which-one-is-right-for-you/): Choosing between a Roth TSP and a Traditional TSP is one of the most important decisions a federal employee or service member can make for retirement planning. It affects your tax burden now, your flexibility in retirement, and how your savings grow over time. In this article, we’ll walk through what these two options are, how they differ, and how to decide which path (or blend) makes the most sense for your situation.
- [FERS COLA vs CSRS COLA: Why FERS Retirees Lose Money Every High-Inflation Year](https://gofebra.com/fers-cost-of-living-adjustment-cola-vs-csrs-cola-why-fers-retirees-lose-money/): Wrong. Because COLA adjustments compound on themselves permanently, that single year's gap permanently widens the base on which all future COLAs are calculated. Over 25 years of retirement that include several high-inflation periods, the cumulative difference between FERS and CSRS COLA treatment can exceed $60,000 to $100,000 in lost purchasing power — money that quietly evaporates from the FERS retiree's retirement income while their CSRS neighbor's pension keeps perfect pace with rising prices.
- [Buying Back Military Time: Is Your Service Credit Deposit Worth Paying?](https://gofebra.com/buying-back-military-time-is-your-service-credit-deposit-worth-paying/): The military service credit deposit — commonly called the military buyback — is one of the most financially efficient transactions available to federal civilian employees who previously served in the military. For many, it converts years of military service that would otherwise generate zero retirement benefit into permanent pension income worth tens of thousands of dollars over a typical retirement. Yet thousands of eligible federal employees never complete the deposit, either because they don't know it exists, underestimate its value, or simply keep putting it off until it's too late.
- [Phased Retirement for Federal Employees: Half Salary, Half Pension—Is It Worth It?](https://gofebra.com/phased-retirement-for-federal-employees-half-salary-half-pension-is-it-worth-it/): Federal phased retirement allows eligible federal employees to work half-time while simultaneously collecting half of their earned pension. You're not fully retired, but you're not fully working either — you're in a deliberate middle state that the federal government formally recognizes as its own retirement category. The program sounds elegant in theory. In practice, it comes with eligibility hurdles, income math that surprises most employees, and a permanent effect on your final full annuity that not everyone understands before signing the paperwork.
- [TSP Required Minimum Distribution (RMD) Rules After 73: Avoid the 25% Penalty](https://gofebra.com/tsp-required-minimum-distribution-rmd-rules-after-73-avoid-the-25-percent-penalty/): A federal retiree turns 74, has been enjoying her pension and Social Security income comfortably for years, and has deliberately left her TSP untouched to let it compound. She's been disciplined, patient, and financially responsible by every measure she knows. Then she receives a letter from the IRS informing her that she missed her required minimum distribution for the prior year and owes a 25% penalty on the amount she should have withdrawn—plus ordinary income tax on top. Her "disciplined patience" just cost her $18,000 she never saw coming.
- [FERS Retirement Application (SF-3107) Walkthrough: Don’t Let OPM Reject You](https://gofebra.com/fers-retirement-application-sf-3107-walkthrough-dont-let-opm-reject-you/): The SF-3107 is the standard application form for FERS immediate retirement. It looks deceptively simple—a few sections, some checkboxes, a signature line. But it triggers a cascade of consequential decisions: your survivor benefit election, your FEHB continuation, your FEGLI option, your tax withholding, and the official start date of your federal retirement income. One ambiguous answer or missing document can delay your first full annuity payment by months and create permanent benefit problems that can never be undone.
- [TSP In-Service Withdrawals: Age 59 ½ Rules, Penalties & Smart Use Cases](https://gofebra.com/tsp-in-service-withdrawals-age-59%c2%bd-rules-penalties-smart-use-cases/): Most federal employees think of their TSP as a locked vault—money goes in, compounds quietly, and doesn't come out until retirement. That assumption is mostly correct and mostly healthy. But there's a specific set of circumstances where accessing your TSP while still actively working is not only possible but a genuinely smart strategy. The problem is that most federal employees either don't know the rules exist, or they trigger an avoidable 10% penalty and a large tax bill by doing it wrong.
- [The 5-Year Rule for FEHB in Retirement: What Happens If You Miss It](https://gofebra.com/the-5-year-rule-for-fehb-in-retirement-what-happens-if-you-miss-it/): A federal employee spends 28 years in government service, retires at 59 with a healthy FERS pension and a solid TSP balance, and assumes her health insurance will follow her into retirement automatically. It doesn't. Three years before retiring, she briefly dropped her FEHB coverage to join her husband's private employer plan during a life event. That gap—just four months of non-enrollment—permanently disqualified her from carrying FEHB into retirement. She now pays $22,000 per year for private market coverage until Medicare kicks in at 65.
- [Special Provisions Retirement for LEOs, Firefighters & ATCs: Age 50 Eligibility Explained](https://gofebra.com/special-provisions-retirement-for-leos-firefighters-atcs-age-50-eligibility-explained/): Special provisions retirement exists as a distinct category within FERS for federal employees in physically demanding, high-risk occupations where the government has determined that career longevity beyond certain ages creates unacceptable operational risk. Law enforcement officers, firefighters, air traffic controllers, and a handful of other specialized categories receive enhanced retirement benefits—but also face mandatory separation ages that most federal employees never encounter. This article breaks down exactly who qualifies, how the enhanced formula works, and the strategic priorities that maximize lifetime retirement income for special provisions employees.
- [Federal Employee Disability Retirement: Step-by-Step Application Guide](https://gofebra.com/federal-employee-disability-retirement-step-by-step-application-guide/): A federal employee with 14 years of service develops a serious medical condition that prevents her from performing her job. Her supervisor sympathizes but can't reassign her. Her doctor confirms the condition is permanent. She's not yet eligible for regular retirement, and her savings won't last forever. What most employees in this situation don't realize: there's a specific federal program designed exactly for them—and it pays substantially more than they think.
- [When to Take Social Security as a FERS Retiree: 62, 67, or 70?](https://gofebra.com/when-to-take-social-security-as-a-fers-retiree-62-67-or-70/): A federal employee retires at 60 with 30 years of service, sits down with her spouse to plan their income, and faces the single most consequential financial decision of her retirement: when to claim Social Security. Her neighbor swears, claiming that at 62 is the smartest move because "you might die before you ever collect." Her financial advisor pushes for a delay until 70 to maximize the monthly check. Her HR specialist gives a vague answer about "personal preference." The truth is that for most FERS retirees, the right answer isn't any of those simple talking points—and the wrong choice can permanently cost the household $200,000 to $400,000 in lifetime income.
- [TSP Catch-Up Contributions Over 50: Maximize Your Final Working Years](https://gofebra.com/tsp-catch-up-contributions-over-50-maximize-your-final-working-years/): A federal employee turns 50 and shrugs off the news that she's now eligible for "catch-up contributions." It sounds like one of those bureaucratic perks that hardly moves the needle—a few thousand extra dollars per year, big deal. Fifteen years later, she retires with a TSP balance roughly $190,000 smaller than her colleague who took catch-up contributions seriously starting at age 50. Same salary, same fund choices, same time horizon. The only difference: one understood the math, and the other dismissed it as paperwork.
- [FEHB Self Plus One vs Self & Family: Which Saves More Money in 2026?](https://gofebra.com/fehb-self-plus-one-vs-self-family-which-saves-more-money-in-2026/): A federal employee in his early sixties stares at his Open Season enrollment screen. His youngest child just turned 26 and aged off the family plan. His spouse is the only remaining dependent. The obvious move seems to be switching from "Self and Family" to "Self Plus One"—it must be cheaper, right? Wrong. Depending on the FEHB plan he selects, that "obvious" switch could either save him $3,200 a year or cost him $1,800 more annually for identical coverage.
- [Voluntary Contributions Program (VCP): The Hidden CSRS Roth Conversion Trick](https://gofebra.com/voluntary-contributions-program-vcp-the-hidden-csrs-roth-conversion-trick/): This is the Voluntary Contributions Program, or VCP. For the right CSRS employee, it's one of the most powerful retirement planning tools in America. For the wrong one, it's a paperwork-heavy distraction with mediocre returns. This article breaks down exactly how VCP works, how the Roth conversion trick functions, and whether you should consider using it before retirement.
- [FEDVIP Open Season Guide: How to Pick Dental & Vision Without Overpaying](https://gofebra.com/fedvip-open-season-guide-how-to-pick-dental-vision-without-overpaying/): Every November, millions of federal employees log into the Open Season enrollment portal, scan the list of FEDVIP dental and vision plans, and make a choice in under five minutes based almost entirely on premium price. Most of them are overpaying—either by choosing more coverage than they'll ever use, or by choosing the wrong plan type for their specific dental history and vision needs. One federal employee overpays $600 per year for 20 years of government service and wastes $12,000 on excess premiums. Another makes no election at all, then faces a $4,800 crown procedure with zero dental coverage.
- [CSRS Offset Explained: The Forgotten Hybrid System Affecting 100K+ Federal Workers](https://gofebra.com/csrs-offset-explained-the-forgotten-hybrid-system-affecting-100k-federal-workers/): There's a quiet group of federal employees who feel constantly forgotten. Every retirement seminar focuses on FERS. Every blog post explains pure CSRS. Every advisor seems to assume you fall neatly into one bucket or the other. But what if you don't? What if you're one of the 100,000+ federal workers covered under CSRS Offset—a hybrid system that combines parts of both worlds and confuses almost everyone, including the HR specialists supposed to help you?
- [TSP Lifecycle Funds vs Self-Managed Allocation: The Real Performance Gap](https://gofebra.com/tsp-lifecycle-funds-vs-self-managed-allocation-the-real-performance-gap/): Picture two federal employees who started their TSP accounts on the same day with identical balances. Twenty years later, one ended up with $1.2 million. The other ended up with $1.6 million. They both followed reasonable strategies. Neither timed the market. Neither took crazy risks. The only difference? One picked a TSP Lifecycle Fund and walked away. The other built a self-managed allocation and rebalanced every year.
- [FERS Sick Leave Conversion Chart: Turn Unused Hours Into Extra Pension Months](https://gofebra.com/fers-sick-leave-conversion-chart-turn-unused-hours-into-extra-pension-months/): Imagine working 30 years as a federal employee, religiously saving your sick leave, and walking into retirement with 2,400 unused hours sitting in your file. Most employees treat that balance like spare change at the bottom of a drawer—forgotten, unused, ignored. But here's the secret OPM doesn't advertise loudly: those unused sick leave hours can add up to 14 extra months of pension credit, increasing your lifetime FERS annuity by tens of thousands of dollars.
- [TSP Rollover to IRA: When It’s Smart and When It’s a $50,000 Mistake](https://gofebra.com/tsp-rollover-to-ira-when-its-smart-and-when-its-a-50000-mistake/): Picture this scenario: You have just retired after 28 years of federal service. Within weeks of your separation paperwork reaching OPM, a smiling financial advisor calls you. He says, “You should roll over your entire TSP into an IRA—you’ll get more investment choices, better service, and personalized management.”
- [Survivor Benefit Plan vs Life Insurance: The Math Most Federal Couples Get Wrong](https://gofebra.com/survivor-benefit-plan-vs-life-insurance-the-math-most-federal-couples-get-wrong/): A federal employee sits across from his wife at the kitchen table, a stack of retirement paperwork between them. The big question: should he elect the full FERS survivor benefit, or skip it and buy a private life insurance policy instead? An advisor told him life insurance would be "way cheaper." A coworker swore the survivor annuity was "always worth it." Both can't be right. One wrong checkbox on his retirement application can cost his wife $400,000 in lifetime income—or save him $80,000 in unnecessary pension reductions.
- [MRA+10 Retirement Explained: The FERS Loophole Most Federal Employees Never Use](https://gofebra.com/mra10-retirement-explained-the-fers-loophole-most-federal-employees-never-use/): Imagine telling your colleagues you're retiring at age 57 with only 12 years of federal service—and walking out with a real, lifetime FERS pension plus the option to keep your FEHB health coverage. Sounds impossible? It's not. It's called MRA+10 retirement, and it's one of the most powerful—but least understood—provisions in the entire Federal Employees Retirement System.
- [TSP G Fund vs F Fund: Which “Safe” Option Actually Beats Inflation?](https://gofebra.com/tsp-g-fund-vs-f-fund-which-safe-option-actually-beats-inflation/): But here’s the uncomfortable truth most TSP participants overlook: choosing the “safest” option can quietly damage your retirement—just as much as a market crash, only slower and less noticeable.
- [The High-3 Salary Trap: How a Single Pay Raise Year Can Add $40K to Your FERS Pension](https://gofebra.com/the-high-3-salary-trap-how-a-single-pay-raise-year-can-add-40k-to-your-fers-pension/): In simple words, your high-3 average salary is the average of your highest 36 consecutive months of basic pay during your entire federal career. It's the foundation of your FERS pension formula, which looks like this:
- [CSRS Retirement Planning Tips | Smart Strategies for Federal Employees](https://gofebra.com/csrs-retirement-planning-tips-smart-strategies-for-federal-employees/): Retirement planning looks a little different for federal employees covered under the Civil Service Retirement System.
- [CSRS vs FERS Retirement Comparison | Key Differences Federal Employees Should Know](https://gofebra.com/csrs-vs-fers-retirement-comparison-key-differences-federal-employees-should-know/): Federal retirement benefits have changed significantly over the years. Employees hired before the mid-1980s were generally covered under the Civil Service Retirement System, while most employees hired after 1984 are covered under the Federal Employees Retirement System.
- [CSRS Pension Calculation Guide | How Federal Employees Estimate Their Retirement Benefits](https://gofebra.com/csrs-pension-calculation-guide-how-federal-employees-estimate-their-retirement-benefits/): For many long-time federal employees, retirement benefits are based on the Civil Service Retirement System.
- [Healthcare Costs After Federal Retirement](https://gofebra.com/healthcare-costs-after-federal-retirement/): For many federal employees, retirement planning focuses on pensions, savings, and Social Security. But one expense often surprises retirees: healthcare costs.
- [FEHB vs Medicare Comparison Guide (What Federal Retirees Should Know)](https://gofebra.com/fehb-vs-medicare-comparison-guide-what-federal-retirees-should-know/): Healthcare decisions become more important as federal employees approach retirement. One of the most common questions retirees face is whether to rely on their federal health plan, enroll in Medicare, or combine both.
- [Best Health Insurance Options for Federal Retirees (Complete Guide)](https://gofebra.com/best-health-insurance-options-for-federal-retirees-complete-guide/): Healthcare is one of the biggest concerns for federal employees approaching retirement. Medical costs tend to increase with age, and choosing the right insurance coverage can significantly affect long-term financial security.
- [Federal Retirement Timeline by Age | A Practical Guide for Federal Employees](https://gofebra.com/federal-retirement-timeline-by-age-a-practical-guide-for-federal-employees/): Federal retirement planning works best when it follows a timeline. Instead of thinking about retirement only a few years before leaving government service, successful federal employees usually begin preparing decades earlier.
- [Federal Retirement Planning Checklist | Step-by-Step Guide for Federal Employees](https://gofebra.com/federal-retirement-planning-checklist-step-by-step-guide-for-federal-employees/): Planning retirement as a federal employee involves more than simply picking a retirement date. Several moving parts must work together—your pension, savings, health coverage, and long-term income planning.
- [Best TSP Allocation for Federal Employees | A Practical Investment Guide](https://gofebra.com/best-tsp-allocation-for-federal-employees-a-practical-investment-guide/): For federal employees planning retirement, investment allocation inside the Thrift Savings Plan can significantly influence long-term financial outcomes.
- [TSP Withdrawal Strategies After Retirement](https://gofebra.com/tsp-withdrawal-strategies-after-retirement/): For federal employees, retirement income usually comes from three primary sources: a government pension, Social Security benefits, and savings accumulated through the Thrift Savings Plan.
- [TSP Contribution Limits 2026 Guide | What Federal Employees Need to Know](https://gofebra.com/tsp-contribution-limits-2026-guide-what-federal-employees-need-to-know/): For federal employees planning retirement, the Thrift Savings Plan plays a crucial role in long-term financial security.
- [TSP Investment Strategy by Age for Federal Employees](https://gofebra.com/tsp-investment-strategy-by-age-smart-allocation-for-federal-employees/): Alongside the Federal Employees Retirement System pension and Social Security, the TSP forms the third pillar of retirement income for millions of government workers.
- [FERS Pension vs Social Security Comparison | What Federal Employees Should Know](https://gofebra.com/fers-pension-vs-social-security-comparison-what-federal-employees-should-know/): Federal employees often hear a familiar phrase when discussing retirement: “You’ll have both FERS and Social Security.”
- [FERS Early Retirement Penalty Guide | What Federal Employees Should Know](https://gofebra.com/fers-early-retirement-penalty-guide-what-federal-employees-should-know/): For many federal employees, retirement planning starts with a simple question:
- [FERS Retirement Planning Checklist | A Practical Guide for Federal Employees](https://gofebra.com/fers-retirement-planning-checklist-a-practical-guide-for-federal-employees/): Retirement planning can feel surprisingly complicated—even for people who’ve spent decades working inside the federal system.
- [FERS Retirement Age Chart Explained | A Simple Guide for Federal Employees](https://gofebra.com/fers-retirement-age-chart-explained-a-simple-guide-for-federal-employees/): Retirement planning can feel a little like reading a complicated road map. You know where you want to go—financial freedom, more time with family, maybe a few long road trips—but the route can be confusing.
- [Can You Keep Your FEHB After Quitting Federal Service? The Real Rules](https://gofebra.com/can-you-keep-your-fehb-after-quitting-federal-service-the-real-rules/): Leaving federal service is a significant life event, and understanding your benefits during this transition is crucial. One of the most pressing questions for many employees is whether they can retain their Federal Employees Health Benefits (FEHB) coverage after separation. The answer depends on several factors, including the nature of your separation and your enrollment history.
- [FERS Deferred Annuity Explained: The Secret Benefit Most People Miss](https://gofebra.com/fers-deferred-annuity-explained-the-secret-benefit-most-people-miss/): Many federal employees focus on immediate retirement benefits, often overlooking one of the most valuable perks of the Federal Employees Retirement System (FERS): the deferred annuity.
- [How to Estimate Future Taxes Before Choosing Roth or Traditional TSP](https://gofebra.com/how-to-estimate-future-taxes-before-choosing-roth-or-traditional-tsp/): Choosing between a Roth and a Traditional Thrift Savings Plan (TSP) is a pivotal decision for federal employees and uniformed service members. Your choice impacts how your retirement savings are taxed—now versus later, and can significantly influence your financial future. Understanding how to estimate your future tax situation is crucial in making this decision.
- [Roth TSP for Federal Employees Near Retirement: Smart or Risky?](https://gofebra.com/roth-tsp-for-federal-employees-near-retirement-smart-or-risky/): As federal employees approach retirement, financial decisions become more delicate — and one of the most debated topics is whether to shift toward Roth TSP contributions or stick with the Traditional TSP. On the surface, the Roth option looks tempting with its promise of tax-free withdrawals, but the reality is more nuanced. For those nearing retirement, the Roth TSP can be both a powerful tool and a potential pitfall, depending on timing, income, and personal tax outlook.
- [Split Your Savings: The Case for a 50/50 Roth-Traditional TSP Mix](https://gofebra.com/split-your-savings/): Deciding between Roth and Traditional contributions in your Thrift Savings Plan (TSP) can feel like choosing which tax assumption to bet on. But what if you don’t have to choose one? Many federal employees are discovering the benefits of a 50/50 Roth-Traditional split, blending the advantages of both approaches to build flexibility, tax diversification, and strategic optionality.
- [2025 Tax Law Changes: How They Could Affect Roth vs Traditional TSP](https://gofebra.com/2025-tax-law-changes/): The tax landscape in 2025 is shifting, and for federal employees investing in the Thrift Savings Plan (TSP), those changes could influence whether Roth or Traditional contributions make more sense. With new limits, catch-up rules, and legislative reforms on the horizon, now is a smart time to review and possibly realign your retirement tax strategy.

## Pages
- [What Happens After You Book a FEBRA Consultation](https://gofebra.com/retirement/after-booking-consultation/): FEBRA helps federal employees request a no-cost educational consultation with an independent licensed financial professional. For FERS employees, this type of retirement-planning conversation may be helpful when several benefit questions need to be reviewed together before major decisions become final.
- [Federal Benefits Review Consultation for FERS Employees](https://gofebra.com/retirement/benefits-review/): FEBRA helps federal employees request a no-cost educational consultation with an independent licensed financial professional. For FERS employees, this type of retirement-planning conversation may be useful when several benefit questions need to be reviewed together before major decisions become final.
- [Book a Free Federal Retirement Benefits Consultation](https://gofebra.com/retirement/free-consultation/): FEBRA helps federal employees request a no-cost educational consultation with an independent licensed financial professional. This type of retirement-planning conversation may be helpful when several federal benefits need to be reviewed together before important decisions become final.
- [Federal Retirement Advisor Help for Federal Employees](https://gofebra.com/retirement/advisor/): FEBRA helps federal employees request a no-cost educational consultation with an independent licensed financial professional. FEBRA is not OPM, the Thrift Savings Plan, Social Security, Medicare, agency HR, the Postal Service, or any official government benefits administrator. FEBRA does not process retirement applications, calculate official annuity amounts, approve TSP withdrawals, update government records, or make official benefit determinations. Its role is to help federal employees prepare for a more informed retirement-planning conversation.
- [How FEBRA Matches Federal Employees With Licensed Financial Professionals](https://gofebra.com/retirement/advisor-matching/): FEBRA helps federal employees request educational conversations with independent licensed financial professionals who may be able to review federal retirement planning questions in more detail. The matching process is meant to help users move from general retirement questions to a more organized conversation about their benefits, income timing, TSP options, healthcare costs, survivor needs, and long-term retirement goals.
- [Privacy and Information Shared During a FEBRA Consultation](https://gofebra.com/about-us/consultation-privacy/): FEBRA should be understood as an independent educational and appointment-setting resource. FEBRA is not OPM, the Thrift Savings Plan, Social Security, Medicare, agency HR, the Postal Service, or any other federal government office. FEBRA does not process retirement applications, approve benefits, administer TSP accounts, manage Medicare enrollment, or make official benefit determinations.
- [FEBRA Educational Content and Professional Guidance Disclaimer](https://gofebra.com/about-us/educational-disclaimer/): Because these topics are connected, educational content should be used as a starting point rather than a final answer. FEBRA content is designed to help readers understand the questions they may need to ask, the records they may need to gather, and the areas they may need to review with qualified professionals. It is not designed to provide a one-size-fits-all recommendation.
- [FEBRA Credentials, Team, and Advisor-Matching Standards](https://gofebra.com/about-us/credentials/): FEBRA credentials, team information, and advisor-matching standards matter because federal employees deserve to understand who they are speaking with before discussing retirement questions. Federal retirement planning can involve FERS pension timing, TSP withdrawals, Social Security, FEHB or PSHB, FEGLI, Medicare, survivor benefits, taxes, and long-term household income. Because these decisions can affect a family’s financial future, trust and transparency should come before any planning conversation.
- [Is FEBRA Affiliated With the Federal Government?](https://gofebra.com/about-us/no-government-affiliation/): FEBRA is not affiliated with the federal government. FEBRA is not OPM, the Thrift Savings Plan, Social Security, Medicare, an employing federal agency, or any other government office. FEBRA should be understood as an independent educational and appointment-setting resource that helps federal employees request conversations with independent licensed financial professionals.
- [FERS Calculator](https://gofebra.com/fers-retirement/fers-calculator/): FERS Information
- [Jamie Rossi](https://gofebra.com/jamie-rossi/): Jamie Rossi is the founder of FEBRA (Federal Employee Benefit & Retirement Agency), an education-first platform dedicated to helping federal employees connect with qualified financial professionals who specialize in federal benefits and retirement planning. With a mission rooted in clarity, compliance, and meaningful guidance, Jamie leads FEBRA’s strategic direction, partner relationships, and quality standards to ensure every appointment delivers real value—for both federal employees and participating advisors.
- [Meet the Team](https://gofebra.com/about-us/team/): FEBRA operates as an education-first connector. Jamie oversees strategy, partner relationships, and quality standards to ensure appointments are relevant, compliant, and valuable—for both federal employees and participating advisors.
- [Federal Retirement Planning Services in Texas | Gofebra](https://gofebra.com/federal-retirement-planning-services-in-texas/): Planning retirement as a federal employee is very different from private-sector retirement. With complex rules around FERS, CSRS, TSP, pensions, and survivor benefits, even a small mistake can reduce your lifetime income. Our federal retirement planning services in Texas are designed to help federal employees make informed decisions and retire with clarity and confidence.
- [Federal Retirement Planning Services in Alabama | Gofebra](https://gofebra.com/federal-retirement-planning-services-in-alabama/): Planning retirement as a federal employee is very different from private-sector retirement. With complex rules around FERS, CSRS, TSP, pensions, and survivor benefits, even a small mistake can reduce your lifetime income. Our federal retirement planning services in Alabama are designed to help federal employees make informed decisions and retire with clarity and confidence.
- [Blog](https://gofebra.com/blog/): Home
- [FAQ](https://gofebra.com/about-us/faq/): Home
- [About Us](https://gofebra.com/about-us/): Home
- [Pre Retirement Timeline](https://gofebra.com/retirement/pre-retirement/pre-retirement-timeline/): Home
- [Windfall Elimination Provision (WEP)](https://gofebra.com/fers-retirement/fers-and-social-security/windfall-elimination-provision-wep/): Windfall Elimination Provision (WEP): What It Is and How It Affects You
- [Types of Retirement](https://gofebra.com/fers-retirement/retirement/types-of-retirement/): Home
- [TSP Calculator](https://gofebra.com/thrift-savings-plan/tsp-calculator/): Home
- [TSP Annuity vs Flexible Withdrawals: Tradeoffs to Understand](https://gofebra.com/thrift-savings-plan/withdrawals/annuity-purchase/): Home
- [Required Minimum Distributions (RMD)](https://gofebra.com/thrift-savings-plan/withdrawals/required-minimum-distributions-rmd/): Required Minimum Distributions (RMDs) are mandatory, government-mandated withdrawals that must be taken from certain retirement accounts—including your Thrift Savings Plan (TSP)—once you reach a specific age. These rules ensure that tax-deferred retirement savings are eventually taxed and utilized during the account holder’s lifetime. Understanding RMDs is critical to maintaining compliance with IRS regulations and managing your retirement income efficiently.
- [TSP Post-Employment Withdrawals After Federal Service](https://gofebra.com/thrift-savings-plan/withdrawals/post-employment-withdrawals/): Home
- [TSP In-Service Withdrawals: What Federal Employees Should Know](https://gofebra.com/thrift-savings-plan/withdrawals/in-service-withdrawals/): Home
- [TSP Fund Options: G, F, C, S, I, and L Funds Overview](https://gofebra.com/thrift-savings-plan/tsp-fund-options/): What are the core TSP fund options?
- [Investment Strategies](https://gofebra.com/thrift-savings-plan/investment-strategies/): Home
- [Get Help](https://gofebra.com/get-help/): Home
- [Roth Vs. Traditional TSP](https://gofebra.com/thrift-savings-plan/roth-vs-traditional-tsp/): Home
- [Survivor Benefits](https://gofebra.com/retirement/survivor-benefits/): Losing a loved one is a challenging time, and navigating the complexities of survivor benefits can feel overwhelming. Survivor benefits under the Federal Employees Retirement System (FERS) and Civil Service Retirement System (CSRS) provide crucial financial support to eligible family members. This guide breaks down the process, eligibility requirements, and steps to access these benefits.
- [Phased Retirement](https://gofebra.com/retirement/phased-retirement/): Home
- [Leaving the Government](https://gofebra.com/retirement/leaving-the-government/): Home
- [Post-Retirement](https://gofebra.com/retirement/post-retirement/): Home
- [Pre Retirement](https://gofebra.com/retirement/pre-retirement/): Home
- [FEGLI: Life Insurance](https://gofebra.com/insurance-and-supplimental-benefits/healthcare-insurance/fegli-life-insurance/): Home
- [FEDVIP: Federal Employees Dental & Vision Insurance Program](https://gofebra.com/insurance-and-supplimental-benefits/healthcare-insurance/fedvip-federal-employees-dental-vision-insurance-program/): Home
- [FEHB: Health Benefits](https://gofebra.com/insurance-and-supplimental-benefits/healthcare-insurance/fehb-health-benefits/): Home
- [Healthcare & Insurance](https://gofebra.com/insurance-and-supplimental-benefits/healthcare-insurance/): Home
- [FERS and Social Security](https://gofebra.com/fers-retirement/fers-and-social-security/): Federal employees covered under the Federal Employees Retirement System (FERS) enjoy the unique advantage of benefiting from both FERS and Social Security. These two systems are designed to complement each other, providing a reliable income foundation for your retirement.
- [Special Provisions Retirement](https://gofebra.com/fers-retirement/types-of-retirement/): Special Provisions Retirement applies to federal employees in the following roles:
- [Survivors](https://gofebra.com/fers-retirement/survivors/): Losing a loved one is difficult, and understanding the survivor benefits available under the Federal Employees Retirement System (FERS) can ease the financial burden. These benefits provide essential support to surviving spouses, former spouses, and dependent children.
- [Service Credit](https://gofebra.com/fers-retirement/service-credit/): Maximizing your retirement benefits under the Federal Employees Retirement System (FERS) starts with understanding service credit. Whether you’re crediting civilian service, military service, or repaying refunded contributions, making deposits and redeposits can significantly impact your annuity and retirement eligibility.
- [Military Retired Pay](https://gofebra.com/fers-retirement/military-retired-pay/): If you are a federal employee receiving military retired pay, understanding how your military service integrates with your FERS (Federal Employees Retirement System) benefits is crucial. This page explains the eligibility rules, steps to credit military service toward your FERS annuity, and important considerations to help you make informed decisions.
- [Former Employees](https://gofebra.com/fers-retirement/former-employees/): Home
- [Eligibility](https://gofebra.com/fers-retirement/eligibility/): Home
- [Regular Retirement](https://gofebra.com/fers-retirement/retirement/): Home
- [Computation](https://gofebra.com/fers-retirement/computation/): Your total years of creditable federal service are a key factor in determining your annuity. Any fractional months are disregarded in the final computation.
- [TSP Life Changes: Marriage, Divorce, Death, and Leaving Service](https://gofebra.com/thrift-savings-plan/life-changes/): Home
- [TSP Withdrawals](https://gofebra.com/thrift-savings-plan/withdrawals/): However, it’s critical to plan carefully. Decisions about TSP withdrawals can affect your tax liability, retirement savings longevity, and income flexibility. That’s why working with a professional to develop a tailored strategy is essential.
- [Individual Funds](https://gofebra.com/thrift-savings-plan/tsp-fund-options/individual-funds/): TSP individual funds offer unique advantages tailored to your financial priorities:

## Elementor Header & Footer Builder
- [Header](https://gofebra.com/elementor-hf/711/): 1-866-356-7732 Schedule A Consultation Schedule A Consultation Thrift Savings Plan TSP Basics How TSP Fits In Your Reitrement Move Money Into TSP Expenses And Fees Designating Beneficiaries Investment Strategies Roth Vs. Traditional TSP Fund Options Lifecycle Funds Individual Funds TSP Withdrawals In Service Withdrawals Post Employment Withdrawals Required Minimum Distributions (RMD) Annuity Purchase Life Changes TSP Calculator
FERS Information Regular Retirement Types of Retirement Computation Prior Service Credit Former Employees Military Retired Pay Service Credit Survivors Special Provisions Retirement FERS and Social Security Windfall Elimination Provision (WEP)
CSRS Information
Insurance and Supplimental Benefits Healthcare & Insurance FEHB: Health Benefits FEDVIP: Federal Employees Dental & Vision Insurance Program FEGLI: Life Insurance
Retirement Pre Retirement Pre Retirement Timeline Post-Retirement Leaving the Government Phased Retirement Survivor Benefits
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## Theme Parts
- [Header all](https://gofebra.com/?jet-theme-core=header-all): Home
Thrift Savings Plan TSP Basics Investment Strategies Roth Vs. Traditional TSP Fund Options TSP Withdrawals Life Changes
FERS Information Regular Retirement Computation Prior Service Credit Former Employees Military Retired Pay Service Credit Survivors Special Provisions Retirement FERS and Social Security
CSRS Information Computation Creditable Service Eligibility Former Employees Military Retired Pay Planning and Applying Service Credit Survivors Types of Retirement
Insurance and Supplimental Benefits Healthcare & Insurance FEHB: Health Benefits FEDVIP: Federal Employees Dental & Vision Insurance Program FEGLI: Life Insurance LTC: Long Term Care FSA: Flexible Spending Account Life Events Medicare Related Federal Benefits Representative Payees Retirement Eligibility Surveys Retirement Services : My Annuity and Benefits – OPM.gov
Retirement Pre Retirement Post-Retirement Leaving the Government Phased Retirement Retirement Statistics Survivor Benefits
Get Help About Us Our Process Our Promise FAQ Workshop / Seminar Request Edit Template 1-800-1234-678
1-800-1234-678 2130 Fulton Street
San Diego, CA 94117-1080 Request a call 1-866-781-0551 2130 Fulton Street San Diego, CA 94117-1080 Request a call Home
Thrift Savings Plan TSP Basics Investment Strategies Roth Vs. Traditional TSP Fund Options TSP Withdrawals Life Changes
FERS Information Regular Retirement Computation Prior Service Credit Former Employees Military Retired Pay Service Credit Survivors Special Provisions Retirement FERS and Social Security
CSRS Information Computation Creditable Service Eligibility Former Employees Military Retired Pay Planning and Applying Service Credit Survivors Types of Retirement
Insurance and Supplimental Benefits Healthcare & Insurance FEHB: Health Benefits FEDVIP: Federal Employees Dental & Vision Insurance Program FEGLI: Life Insurance LTC: Long Term Care FSA: Flexible Spending Account Life Events Medicare Related Federal Benefits Representative Payees Retirement Eligibility Surveys Retirement Services : My Annuity and Benefits – OPM.gov
Retirement Pre Retirement Post-Retirement Leaving the Government Phased Retirement Retirement Statistics Survivor Benefits
Get Help About Us Our Process Our Promise FAQ Workshop / Seminar Request Home
- [Footer](https://gofebra.com/?jet-theme-core=footer): At FEBRA, our mission is to bridge the gap between federal employees and the guidance they need to secure their financial futures. While we are not affiliated with the federal government, we complement existing systems like TSP, FERS, CSRS and Social Security by providing tailored education and coordination of all your benefits.
- [Header](https://gofebra.com/?jet-theme-core=header): 1-866-781-0551 2130 Fulton Street
San Diego, CA 94117-1080 Schedule A Consultation Thrift Savings Plan TSP Basics How TSP Fits In Your Reitrement Move Money Into TSP Expenses And Fees Designating Beneficiaries Investment Strategies Roth Vs. Traditional TSP Fund Options Lifecycle Funds Individual Funds TSP Withdrawals In Service Withdrawals Post Employment Withdrawals Required Minimum Distributions (RMD) Annuity Purchase Life Changes TSP Calculator
FERS Information Regular Retirement Types of Retirement Computation Prior Service Credit Former Employees Military Retired Pay Service Credit Survivors Special Provisions Retirement FERS and Social Security Windfall Elimination Provision (WEP)
CSRS Information
Insurance and Supplimental Benefits Healthcare & Insurance FEHB: Health Benefits FEDVIP: Federal Employees Dental & Vision Insurance Program FEGLI: Life Insurance
Retirement Pre Retirement Pre Retirement Timeline Post-Retirement Leaving the Government Phased Retirement Survivor Benefits
About Us FAQ Blog