Retiring from federal service raises questions that don't come up with a typical retirement plan, from when to take Social Security to what happens with a TSP and health insurance. Harris Federal Financial Advisors builds every plan around actual federal benefits rather than a generic template, and stays with clients throughout retirement rather than for a single conversation.
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Retiring from federal service is a big transition, and it can open up a set of questions that can be hard to answer on your own. When do I take Social Security? What do I do with my TSP? Is my health insurance going to keep working the way I think it will? Am I leaving money on the table somewhere?
These aren't small questions, and the wrong answer on any of them can cost you real money over the next 20 or 30 years.
That's where we come in. Federal benefits are their own world. FERS, TSP, FEGLI, survivor annuities, the FERS supplement, and most financial advisors don't actually know how the pieces fit together. An everyday advisor can treat your TSP like any other 401(k) and miss the federal specific decisions entirely.
We do it differently. Every plan we build starts with your actual federal benefits, not a template. We help you figure out the things that matter. When to take Social Security, how to save money on life insurance, how to think about long-term care and survivor coverage, and whether your TSP will get you where you want to go.
The point isn't to sell you a product. It's to help you actually understand what you have and how to use it well. And we can stay with you throughout retirement, not just the first conversation.
You spent a career earning these benefits. The plan you build around them should match that work you put in. If you want to talk it through, we offer a free consultation. No pressure, no commitment, just a real conversation about your situation and what your options actually look like. We're here when you're ready.
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These videos cover the general rules. Your numbers are specific to you and need guidance tailored to your situation and goals. Schedule a call with an advisor and walk through your plan.
Schedule Your CallThe content in this library is provided for educational and informational purposes only and does not constitute investment, tax or legal advice, or a recommendation to buy, sell or hold any security or to pursue any particular strategy. It does not take into account your individual objectives, financial situation or needs. Investing involves risk, including the possible loss of principal. Rules governing federal benefits, the Thrift Savings Plan, Social Security and taxation are subject to change, and information presented may not reflect the most current guidance. Consult a qualified professional regarding your own circumstances before acting on any information presented here.