Financial Advisor for
Federal Government Employees

Helping Federal Employees Prepare for a Comfortable Retirement

Your federal benefits provide you with opportunities to build a fulfilling retirement, but you may not know about the decisions you need to make that will result in the retirement you envision. To increase your chances of achieving the retirement you want, consulting with a financial advisor for federal employees can be immensely beneficial, we’re here to help tie all the components of your financial picture together and ensure that you optimize your federal benefits and make informed choices for a secure and satisfying retirement.

Investment Options for Federal Employees

Here’s What We Can Do for You

  • We’ll help you assess whether your Thrift Savings Plan funds are appropriate for your risk tolerance and future objectives. If necessary, we’ll review other fund options and assist you with converting to funds that are more aligned with your goals and values.
  • Then, we’ll build out your federal employee benefits into a full financial plan that maps out the decisions and strategies you need to employ both before you reach retirement and during those golden years.
  • Seeking the expertise of a financial advisor for federal government employees can ensure a structured retirement income plan, ensuring a steady and reliable income stream throughout your retirement.
Schedule a Meeting

Also, we’ll educate you about the myriad of investment options (beyond the options in the Thrift Savings Plan) to help you pursue the returns and strategies you need for stable and long-term income.

When you partner with Ferguson-Johnson Wealth Management, you can rest easier knowing you have appropriate guidance to help you make smarter decisions for the retirement you want.

Learn more about how our 40 years in the Washington, D.C., area have uniquely positioned us to help current and former federal employees create the comfortable retirement they deserve:

Recommended Reads

Investing 101 for Government Employees

Most people recognize the importance of investing to build real wealth and save enough money to fund a secure and comfortable retirement—a retirement that may last decades! But not many people know enough about basic investment principles to be confident...

Read More

What to Do With Your Pension

The government may be one of the few remaining employers to offer a pension to its employees. And although you may be thinking that the government needs to get with the times, the value of offering a pension will never go out of date, as your pension...

Read More

Investment Options Beyond the Thrift Savings Plan

The Thrift Savings Plan (TSP) is the federal government’s version of an employee 401(k) plan. For most government employees, it’s a pretty sweet deal. The TSP has lower-than-average fees and administrative expenses. It also offers...

Read More

401(k)s and Pension Plans: What’s the Difference?

With many kinds of retirement plans out there, it can be hard to tell the differences among them at first glance. Two of the most popular types of retirement plans offered by employers are the 401(k) plan and...

Read More

Financial Pitfalls Federal Employees Should Avoid

We all face financial pitfalls. Not having a financial plan, starting to save for retirement too late, not being aware of your expenses, and being underinsured are just a few. If you’re a federal employee, however, there are specific financial pitfalls you need to avoid...

Read More

Annual Enrollment for Government Employees

It’s that time of year again when you start getting notices about open season and all the changes coming to your employee benefits. Even though you’d probably rather turn a blind eye and keep going on with your life...

Read More

Federal Employee Financial Planning: FAQs

1. What is the Federal Employee Retirement System?

The FERS (Federal Employee Retirement System) is a retirement plan that draws on three different sources: a Basic Benefit Plan, Social Security, and the Thrift Savings Plan (TSP). The Basic Benefit and Social Security portion requires you to pay in the taxes taken from your paycheck each pay period. The agency you work for withholds those contributions and pays their part as well. Once you retire, you receive annuity payments each month for the rest of your life.

2. What are the benefits of a Thrift Savings Plan?

Automatic payroll deductions, so you don’t have to manage what is taken out. Diversified investment options, choices concerning tax-treatments for your contributions and low administrative and investment expenses. Additionally, there may be service or agency contributions if you are covered by FERS or are a uniformed service member covered by BRS, death benefits for your spouse, and in certain circumstances you can access your money in a TSP while you are still working for the federal government.

Even if you’re already retired, market volatility or changes in your own situation may mean your plan needs to adjust. We can help. We’ll walk you through building a plan or adjusting a current plan to help your money last as long as you do. We’ll also help you leave behind a legacy to the people and things you care about. Our expertise as a financial advisor for federal government employees ensures you have peace of mind as you plan for the future.

Get Started Now