BENEFITS COORDINATION

helping NAVIGATe FEDERAL RETIREMENT benefits

NAVIGATING THE FEDERAL retirement BENEFITS MAZE

CHOOSING THE RIGHT GUIDE

The Federal Retirement systems available today still offer some of the best large-scale benefits available… if you can successfully navigate the maze of program acronyms, rules, caveats, & pitfalls. During your career, it is important to understand the benefits you currently carry & how they may change over time. As you enter retirement, it is critical that you maximize your benefits in order to leverage your years of public service into your retirement. There are a number of critical coordinates to mapping out a successful retirement. For example, it is critical that you coordinate your FEGLI & SSB with your spousal FEHB & income continuation needs. Retirement is a journey, let Walker Capital help guide you through!

Understanding acronyms OF FEDERAL RETIREMENT

THE CRITICAL COORDINATES

FERS/CSRS Federal Employee Pension Computation

Saving for retirement is a journey much like a road-trip. Saving without a plan is much the same as driving without a map (or GPS). It is tough to end up where you want to be if you jump on a highway without a destination in mind – regardless of how fast you drive. In order to effectively plot the most efficient route for navigating your retirement, it is imperative that you project your retirement income by comparing your CSRS/FERS/ATC/LEO pension and other base income streams to your retirement budget. Use Walker Capital’s retirement forecasting resources to help you explore your potential retirement paths!

Since no one can stop aging, by default, everyone is preparing for retirement in one way or another. Even choosing not to plan at all… IS STILL A PLAN – just a highly, highly unsuccessful one!

FEGLI/FLTCIP Protection for Aging Gracefully & Legacy Planning

Not everyone will need to buy a Long-Term Care (LTC) Plan, but everybody still needs to have a plan to address LTC. If you have seen the toll that an unplanned LTC event can have on a family then you know the difficulties it can cause. Long-term care is generally referring to a form of specialized assistance that is outside of the scope of conventional Health Insurance coverage leading many to fear how they can afford the assistance necessary to age gracefully when those expenses have to be funded out-of-pocket from a fixed-income.
FEGLI: When looking at the FEGLI, there are 3 main factors in evaluating whether or not it is still the best option for coverage at this point in your life/career.

  • The first is your ability to qualify through the underwriting process for individual protection – generally determined by the combination of your age, health, and lifestyle habits (smoking, home-made-parachute skydiving etc).
  • The second is the time horizon for your protection needs – eventually the vast majority of Feds will be priced out of the FEGLI coverage (usually in their 50’s and 60’s).
  • The third factor is in determining what you want/need your life insurance to protect you from.

FEHB/SSB Coordination for Survivor Planning

It is critical to understand both the Pros & the Cons of the Surviving Spouse Benefit (SSB) options providing to FERS/CSRS retirees. The SSB offers a continuation of your retirement pension & can also provide continuation of the heavily subsidized FEHB coverage to a surviving spouse.

Survivor income planning studies have repeatedly found that secure lifetime income is key to retirement happiness. The peace of mind that comes with the knowledge that you cannot outlive the lifestyle your survivors have grown accustomed to affords many the ability to sleep soundly at night – through all market conditions! Pension Maximization strategies can help blend private coverage with a Surviving Spouse Benefit to mitigate the pitfalls and maximize the benefits of the SSB – reach out to Walker Capital to learn more!

NOT SURE WHERE TO START? LET WCPG HELP

WHAT WAS YOUR CAREER?

FEDERAL EMPLOYEES

Since 2014 the WCPG team has helped thousands of Federal Employees across the nation understand their pension, TSP, & how to map out the ideal retirement.

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BUSINESS OWNERS

Learn how WCPG can help navigate the potential pitfalls & unique opportunities facing entrepreneurs when preparing for their retirement.

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INDIVIDUALS & FAMILIES

WCPG’s tax-centric holistic planning can help you & your loved ones navigate retirement with tax, income, & legacy planning from our team of experts.

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WHY CHOOSE WALKER?

TO guide youR PATH TO RETIREMENT

WHY CHOOSE WALKER CAPITAL?

THE RIGHT TEAM with THE RIGHT TOOLS

The Right Team

As taxes begin to rise in coming years, it is critical that a holistic retirement truly consider the impact of taxation on retirement benefits, tax-deferred savings, & Social Security – which is why WCPG planning partners tax-centric retirement consultants with our CPA to help you navigate retirement successfully! 

The Right Tools

WCPG’s art is the science of retirement planning! We help families around the country thrive using webinar technology to easily apply the latest in Retirement Benefits Forecasting software, tax-planning tools, budget calculators, & Risk Tolerance Assessments to help design the blueprint for a successful retirement!

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