FEDERAL EMPLOYEES

WALKER CAPITAL IS YOUR TRUSTED GUIDE

does your advisor know your benefits?

HOW WALKER IS DIFFERENT

For Federal Employees, coordinating your benefits within the scope of your retirement goals is a critical component of designing a sound, holistic retirement plan. At Walker, with a Trusted Federal Employee Benefits Coordinator and published author behind the helm, rest assured that plans we develop leverage your Federal Benefits to maximize federal retirement package provided to FERS, CSRS and LEO employees from all federal agencies.

WHICH FEDERAL SYSTEM DID YOU RETIRE FROM?

FEDERAL RETIREMENT SYSTEMS

Federal Employee Retirement System (FERS)

For employees hired after 1984, this retirement system is comprised of 3 primary components – the FERS pension, the TSP, and Social Security. The TSP part of FERS is an account that your agency automatically sets up for you. Each pay period your agency deposits into your account amount equal to 1% of the basic pay you earn for the pay period. You can also make your own contributions to your TSP account and your agency will also make a matching contribution. These contributions are tax-deferred. The Thrift Savings Plan is administered by the Federal Retirement Thrift Investment Board.

Civil Service Retirement System (CSRS)

The Civil Service Retirement Act, which became effective on August 1, 1920, established a retirement system for certain Federal employees.  It was replaced by the Federal Employees Retirement System (FERS) for Federal employees who first entered covered service on and after January 1, 1987. The Civil Service Retirement System (CSRS) is a defined benefit, contributory retirement system.  Employees share in the expense of the annuities to which they become entitled. CSRS employees may increase their earned annuity by contributing up to 10 percent of the basic pay for their creditable service to a voluntary contribution account.

Special Provisions Employees (ex. LEO/ATC)

LEOs and a few legislatively designated groups, including federal firefighters and air traffic controllers, are eligible for enhanced retirement benefits under the Civil Service Retirement System (CSRS), for individuals hired before 1984, or the Federal Employees’ Retirement System (FERS), for individuals hired in 1984 or later.  In general, law enforcement personnel are subject to mandatory retirement at age 57, or as soon as 20 years of service have been completed after age 57. The maximum age of entry, which is intended to ensure full retirement benefits upon reaching mandatory retirement age, is typically age 37.

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!

AS SEEN ON:

AS SEEN ON:

CHOOSE WHAT YOUR RETIREMENT NEEDS

HOW CAN WALKER HELP?

RETIREMENT PLANNING

Can you afford to retire? What kind of retirement lifestyle will you be able to enjoy? You have saved your whole career towards this goal, but what if you are left with too much life at the end of your money?

Retirement Planning with Walker Capital is your guide through these tough questions.

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BENEFITS COORDINATION

Holistic planning for Federal Employees begins by understanding how your current Federal Benefits work, what they cost, cover, & what obstacles you may encounter. For nearly a decade Walker Capital has specialized in coordinating FERS & CSRS benefits within successful retirement plans.

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TAX PLANNING

An Estate Plan ensures that the assets you have worked hard to accumulate during your life go to the people & organizations you care about.

A well-constructed comprehensive estate plan can help address your specific estate planning needs. 

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INSURANCE PLANNING

When properly utilized, insurance can help protect the quality of both you & your family’s lifestyle throughout your career, in retirement, & even beyond (legacy).

Learn how Living Benefit Riders can provide flexible protection so your plan can evolve as your needs change over time.

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ready to begin your retirement JOURNEY?

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