Federal Benefits Planning

Retire with Confidence and Clarity

If you’re a civilian employee of the federal government with retirement coverage, you likely fall under the Federal Employee Retirement System (FERS) or the Civil Service Retirement System (CSRS). FERS combines benefits from three different sources: a Basic Benefit Plan, Social Security, and the Thrift Savings Plan (TSP). The Civil Service Retirement System is a defined benefit, contributory retirement system that provides annuity payments after you retire or in other special circumstances.

Most federal employees are also eligible for the Federal Employees’ Group Life Insurance (FEGLI) Program, established in 1954. It’s the largest group life insurance program in the world, covering millions of Federal employees, retirees and many of their family members. The Federal Employees Health Benefits (FEHB) Program became effective in 1960. It is the largest employer-sponsored group health insurance program in the world, covering over 8 million Federal employees, retirees, former employees, family members, and former spouses”

Towers Financial Services is ready to help you understand all the moving parts of these benefits. Together, we can create a customized, long-term financial plan to help you secure the comfortable retirement you deserve.
FERS & CSRS retirement paperwork
Social Security maximization
TPS Fund Allocation advice
Beneficiary change forms
TSP rollovers
Life Insurance
TSP Modernization Act 2018
TSP working on implementation
plan for TSP Modernization Act.
By Government Matters, Government Matters
Updated 2:41 PM, May 29, 2019
TSP Modernization Video
Federal Benefits Systems
For over a decade we have worked with federal employees all over the country to help create a deep educational experience of the sometimes confusing and multiple moving parts to the federal benefits systems. We encourage you to attend one of our educational events so you are well equipped for a long and stress-free retirement.
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