For Federal Government Employees
Understand Your Federal Benefits Before You Make a Retirement Decision.
Federal employees have access to some of the most valuable retirement and insurance benefits available, including FERS, TSP, FEHB, FEGLI, Social Security, survivor benefits, and leave-related benefits. However, understanding how these benefits work together can be complicated, especially when you are preparing to retire, considering a buyout, evaluating a TSP decision, or trying to protect your spouse and family.
Our complimentary initial Federal Benefits Review helps you understand your benefits, identify possible gaps, and prepare questions for your agency and other professionals. It is an educational discussion, not an official benefit determination or a complete financial plan. Any follow-on paid work will be explained before you agree to proceed.
Personalized TSP investment and rollover recommendations are provided separately by Darryl through Wealth Watch Advisors, Inc. DNA Financial & Associates is a private business and is not affiliated with OPM, TSP, or any government agency.
- CFFCertified Financial Fiduciary
- ChFCChartered Financial Consultant
- Veteran-Owned Perspective
What We Review
What Your Federal Benefits Review May Include
A personalized look at the benefits and decisions that can shape your retirement income, insurance coverage, taxes, and family protection strategy.
FERS Pension Estimate
Review your projected pension, high-3 salary, years of service, retirement eligibility, and survivor election impact.
TSP & Taxes
How contribution timing, Traditional vs. Roth TSP, catch-up contributions, and withdrawal options work, and how each affects your taxes.
Social Security Timing
Understand how Social Security may coordinate with your pension, TSP withdrawals, tax situation, and income needs.
FEHB & Medicare
Review health insurance continuation rules and how FEHB may work alongside Medicare in retirement.
FEGLI Life Insurance
Analyze current coverage, retirement options, potential cost increases, and whether your coverage still fits your needs.
Survivor Benefits
Review how survivor elections may affect pension income, spouse protection, FEHB continuation, and legacy planning.
Why This Matters Right Now
Federal employees often face major financial decisions without a coordinated view of their benefits. That can be costly.
- Retiring before understanding your lifetime pension and survivor benefit tradeoffs
- Missing TSP matching opportunities because contributions are not paced properly
- Choosing FEGLI coverage without reviewing future cost increases
- Claiming Social Security without coordinating taxes and retirement income
- Accepting a buyout or early retirement offer without a full income plan
Request Your Review
Complete the short form and tell us where you are in your federal career or retirement planning process.
Gather Key Benefit Details
We identify the information needed to evaluate your FERS, TSP, insurance, survivor, tax, and retirement income picture.
Review Your Options
You receive plain-English guidance on what your benefits may mean and which decisions deserve closer attention.
Decide Your Next Steps
You leave with questions to take to your agency and a clear view of any next steps. Any follow-on paid work is explained before you agree to it.
Is This Right for You?
Who Should Consider a Federal Benefits Review?
This review is designed for federal employees who want clarity before making important retirement and benefits decisions.
- Within 10 years of retirement
- Considering retirement in the next 1–5 years
- Evaluating a buyout or early retirement offer
- Unsure how much your FERS pension may be worth
- Reviewing TSP withdrawal or Roth decisions
- Trying to coordinate FEHB, FEGLI, and Medicare
- Concerned about taxes in retirement
- Married and reviewing survivor benefit elections
Common Questions
Questions Federal Employees Often Ask
Here are a few questions federal employees often ask before scheduling a benefits review.
Is this only for employees ready to retire now?
No. The review can be valuable whether retirement is months away or several years out. Earlier planning often gives you more flexibility.
Will you help me understand my TSP?
Yes. The review explains how contributions, Traditional vs. Roth TSP, and withdrawal options work, and how each affects your taxes. Personalized TSP investment and rollover recommendations are provided separately by Darryl through Wealth Watch Advisors, Inc.
Can this help if I receive a buyout offer?
Yes. Before accepting a buyout or early retirement offer, you should understand how the decision may affect income, insurance, taxes, and long-term security.
Does this replace OPM or HR guidance?
No. Your HR office and OPM provide official benefits information. Our role is to help you understand how those benefits may fit into your larger financial plan.