How We Help

Our goal is to make federal benefit options

Easier to understand.

Get a roadmap designed to fit your life and optimize your benefits.

The ProFERS process:

Step 1

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Bring your pay stub (LES)

We break down your benefits. These include your retirement system, life insurance, survivor benefits, and extras such as the FERS Supplement.

Step 2

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Find your gap

We add up defined benefit pension and Social Security to show where you are and potentially how much more you may need each month.

Step 3

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Create your income plan

We help design a steady income stream from your TSP, annuities (if they make sense), and timing that fits your lifestyle.

Step 4

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Make smart benefit choices

We help determine right-sized life insurance, choose survivor options, and coordinate Medicare with FEHB to keep healthcare costs predictable.

Step 5

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Keep it on track

We review every year to adjust for COLAs, health changes, and tax efficiency.

Federal

retirement benefits,

explained clearly.

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FERS vs. CSRS

Which system you’re in shapes your defined benefit pension and survivor choices. We’ll explain the differences.

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Pension math

We help translate estimates into a monthly number you can plan around.

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FERS Supplement

Retiring before 62? The supplement may help bridge to Social Security.

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FEHB & Medicare

Keep FEHB? Add Part B? We walk through common situations and help determine where it’s worth a closer look.

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Turn your TSP into

income you can count on.

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TSP withdrawal order, made simple

What to draw first, when to move, and how to keep the monthly number steady.

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Tax minimization, kept sensible

We design with tax efficiency in mind and coordinate with your tax professional for specifics.

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Annuity coordination (when it fits) 

Sometimes a guaranteed check helps steady retirement income. Sometimes flexibility wins. We’ll show both paths.

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COLA and inflation

We model how rising costs can hit and build approaches to handle it over time.

Survivor benefits and FEGLI: protection that fits your budget.

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Survivor benefit choices

We’ll show exactly what the survivor keeps at each option so you’re not guessing.


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FEGLI, explained

Understand Option B and how coverage and cost change as you age.

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What fits your family

We combine survivor choices, FEGLI, and income design to cover what matters most at the lowest sensible cost.

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Ready for a straightforward conversation about your future?