Helping Federal Employees and Annuitants Understand Their Benefits


Getting Started

Learn how to evaluate your personal situation, start your retirement application, and develop a realistic retirement plan.



Determine when you are eligible for a FERS or CSRS retirement including early and deferred retirement options.


Annuity Payments

Estimate annuity payments for targeted retirement dates and discover ways to increase your monthly payments.


Benefit Options

Insurance options including FEGLI, FEHB and Medicare, survivor elections, and Thrift Savings Plan withdrawals.


Financial Planning

Evaluate your retirement income and expenses plus learn about your TSP and Social Security options.


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Take Charge of Your Federal Career - 2nd Edition


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Updated 3/15/2015

CSRS & FERS Federal Civil Service Retirement Planning Resources

Welcome to our updated site. This new design is compatible with all media including ipads and smart phones. Half of all site visitors now enter through mobile devices.

"I spent 3 hours on the web looking for answers to questions concerning federal retirement. After a Google search yielded your address, it took only 20 minutes to find all of my answers! Thank you!!!"  Rod H. (Read all Reviews)

Preparation is the key to a successful federal civil service retirement. This site helps Federal and Postal employees make the transition from active federal employee to an informed, financially prepared, and involved federal retiree. Current retirees will also find CSRS and FERS civil service retirement information and answers they need to make informed decisions. If you desire to work in retirement you will find extensive private sector job listings specifically targeting to retirees. You can also explore ways to return to government employment through the rehired annuitant program, personal service contracts, or contractor options.

Many attend retirement seminars prior to retiring and return with more questions than answers. This site fills the gap and will help you determine if you are financially, emotionally and physically ready for federal retirement. You will be able to estimate your retirement income and expenses using our easy-to-follow checklist, complete federal retirement forms, explore financial issues including TSP options, understand basic estate civil service retirement planning techniques, find jobs in retirement if desired, and determine your spouse's survivor annuity income and expenses.

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