For clients who are federal employees.

Secure & Serve

Your financial well-being, tailored to your federal benefits.

Are you a federal employee nearing retirement or considering your next steps? Navigating the complexities of federal benefits can be overwhelming, and you might be wondering how to make the most of what you’ve worked so hard to earn. From understanding your pension options to ensuring your Thrift Savings Plan (TSP) is optimized for your goals, it’s essential to have a clear strategy in place. We’re here to help you piece it all together, so you can confidently secure your financial future and enjoy the retirement you deserve.

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Our services are focused on you.

At United Planners Financial Services, we specialize in the unique financial needs of federal employees. Whether you’re preparing to retire from a distinguished career or navigating the complexities of your federal benefits, we’re here to guide you. Our expertise includes managing your Thrift Savings Plan (TSP), understanding your federal pension, and making the most of your Social Security options. We also offer strategic advice on healthcare benefits, including FEHB and Medicare, helping to ensure you transition into retirement with confidence and a clear plan for your financial future.

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Retirement income
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tax planning
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estate management
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investment services
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Insurance services
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the details are important

Find out how we serve federal employees & retirees.

  • How can I optimize my Thrift Savings Plan (TSP) as I approach retirement?

    Your TSP is a crucial part of your retirement savings, and optimizing it is key to ensuring a stable income in retirement. We help you evaluate your investment options, decide on the right withdrawal strategy, and understand the tax implications of your choices. Our goal is to align your TSP with your overall retirement plan, so you can maximize its benefits.

  • What are my options for my federal pension when I retire?

    Federal employees have several pension options, including the Basic Benefit Plan under FERS or CSRS. We guide you through these choices, helping you understand the impact of survivor benefits, lump-sum payouts, and monthly annuities. Our personalized advice helps to ensure you select the option that best supports your retirement goals and financial security.

  • How does my federal health insurance work after I retire?

    Federal employees can continue their Federal Employees Health Benefits (FEHB) into retirement, but it’s important to coordinate it with Medicare. We help you understand how FEHB and Medicare work together, ensuring you maintain comprehensive coverage while managing costs effectively. Our advice helps you make informed decisions about your healthcare in retirement.