Your retirement date, your TSP, your survivor election, your FEGLI. Each is governed by its own rules, and some choices are permanent. An FRC is trained on exactly your system and reviews it with you before you decide.
The FRC designation is listed with FINRA's Professional Designations database. The review is free.
Why a review comes first
The most valuable part of a federal career is also the least explained. And once you file, some of it can't be undone.
A FERS or CSRS pension, a Thrift Savings Plan balance, FEHB coverage and FEGLI insurance are each governed by their own rules, written for administrators rather than for the person choosing a retirement date. A handful of those choices are permanent. Getting them right the first time is the whole point of a federal benefits review.
What an FRC reviews
A Federal Retirement Consultant looks at the parts of your benefits that are easy to get wrong and, for some, impossible to change once you retire. The permanent ones are marked.
The date you pick sets your eligibility, decides whether the FERS Supplement applies, and shapes your first years of income.
What a spouse receives for life, and what it costs you every month. The survivor annuity is generally locked once your annuity begins.
Which options and reductions you carry into retirement, and where coverage stops earning its cost as you age.
Whether you qualify, what it pays before Social Security, and the earnings rules that can quietly reduce it.
How it is invested today, and how you will turn it into income once the paychecks stop.
How your plan carries into retirement, and how it coordinates with Medicare when you become eligible.
The numbers behind the decision
A handful of federal numbers decide how much your service is worth, how much of your own savings the government matches, and how long an early-retirement bridge lasts. Miss one and the cost is real, and often permanent. A review with a Federal Retirement Consultant makes sure each of them is working the way you think it is.
See how the pieces fit togetherThe FERS pension multiplier for most retirees. Every year of creditable service adds one percent of your high-3 average salary to your Basic Benefit.
The share of your own pay you must put into the Thrift Savings Plan to earn the full agency match. Contribute less and part of that match is left on the table.
The age the FERS Special Retirement Supplement ends, when Social Security eligibility begins. Retire earlier and the bridge it provides is only temporary.
How a review works
Tell us a little about your situation and pick a time that works.
A professional trained on federal benefits, and background-checked, reviews your specific situation with you.
You leave understanding your options. Whether you work with anyone afterward is always your call.
Who a review is for
A review helps at almost any stage. It matters most when a decision is close, when someone has put a plan in front of you, or when you simply want the rules explained plainly.
You are within a few years of a date and want the rules laid out before you choose one. This is where a review earns its keep: your retirement date sets your eligibility, decides whether the FERS Supplement applies, and shapes your first years of income, and it is hard to re-run once you file.
See what a review coversSomeone put a product or a plan in front of you and you want an independent read from a credentialed federal retirement advisor before you act on it.
Why a review comes firstYou have filed or chosen your options and want to understand what they actually do, and whether they still fit.
What an FRC reviewsYou are early, gathering facts, and want plain-English answers about FERS, CSRS, TSP, survivor and FEGLI decisions from a person who can explain how the pieces fit together. Start wherever you like and go at your own pace.
Start with the basicsBook a free benefits review with a background-checked Federal Retirement Consultant you can verify by name.
Common questions
