FERS, TSP and FEGLI are valuable — and complicated. Small decisions before retirement can change your income for life.
Federal employees have one of the richest benefit packages available, but the choices around it are easy to get wrong.
Know your pension
Your FERS annuity depends on years of service and your high-three salary. Retirement date matters, and a few months can change the outcome.
TSP withdrawals
How and when you draw from the TSP affects taxes and how long savings last. It should fit with your pension and Social Security.
Survivor and life coverage
Survivor benefit elections and FEGLI costs rise with age. Comparing them with private options can protect your spouse for less.
This article is for educational purposes only and is not tax, legal or investment advice. Speak with a licensed professional about your own situation.
