Federal Benefits & Retirement Planning Services : Why It Matters
Annual Tax Planning Guide
The tax code is notoriously complex, so, keep it basic when preparing your tax returns. Explore recommendations to help you prepare for this year’s tax season and brush up on fundamental tax terms.
How Fredericks Helps with Federal Benefits & Retirement Planning Services
Personalized planning for federal employees and retirees.
Our retirement planning services offer practical guidance to help align benefit decisions with your retirement income needs, long-term goals, and tax considerations.
- Pension Review and Retirement Eligibility: We walk through your FERS or CSRS details, projected income, and service credits to help clarify your available retirement paths.
- TSP Strategy and Distribution: Planning From withdrawal timing to rollover options and Roth considerations, we help coordinate your TSP with the rest of your income plan.
- Survivor and Spousal Benefit Coordination: Understand how survivor annuities work and review options that align with your family priorities and potential future healthcare costs.
- Tax-Aware Retirement Income Mapping: We help coordinate your federal benefits with other assets and income sources in a way that aims to reduce long-term tax exposure.
What’s the difference between FERS and CSRS?
FERS includes Social Security, a smaller pension, and the TSP. CSRS offers a larger pension without Social Security. Your system affects income sources and planning options.
Should I leave my TSP in place or roll it over?
That depends on your income strategy, tax considerations, and investment preferences. Our retirement planning services help evaluate what’s right for your situation.
When should I start planning for federal retirement?
Ideally, planning begins 5–10 years before retirement. This allows time to evaluate benefit choices, prepare for taxes, and create a smoother transition.
