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As a civil servant, it’s your right to have a financial plan tailored to match your needs. In order to ensure you have control of your federal benefits and investment, you’ll need access to the latest financial and federal resources available. By integrating investment knowledge with your specific financial needs, you can develop a sound financial plan for retirement. The best retirement plans achieve this through the use of different federal retirement systems depending on when you were employed. These include:

  • Civil Service Retirement System (CSRS)- this applies to those federal employees who were hired before 1987. With this plan, you enjoy retirement, survivor, and disability benefits. However, you don’t have access to social security benefits since the social security taxes aren’t deducted from your salary. This is only exceptional if you earned the social security benefits from another job or you’re eligible through your spouse. Qualification for social security benefits minimizes your CSRS pension benefits.
  • Federal Employees Retirement System (FERS)- the plan covers civilian federal employees hired in 1987 or later. Its benefits include basic pension plan, social security, and thrift savings plan, TSP.

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Federal Retirement Planning

When you fully understand the government retirement system, it becomes easy to implement your federal retirement planning effectively. Through the use of credible federal resources and strategic financial planning you’re able to:

  • Calculate your annuity and thus plan your retirement process effectively
  • Familiarize with Social Security benefits
  • Understand possible reductions in your annuity
  • Guide you about life and health insurance

Choosing between TSP Annuity and Rollover

Both TSP annuity and IRA rollover have pros and cons. Working with a professional federal retirement planner helps you understand the two and come up with a feasible investment management plan for your specific retirement goals.

Preparing for Unpredictable Life Events

With the aid of federal resources and a reliable financial planner, you can plan for unexpected life events such as an unexpected death, divorce, and even pay for higher education. There are also resources available that will guide you in choosing the right insurance plan and the role of long-term care, Medicare, FEGLI, and FEHB in your investment planning.

Tax Strategies

During your federal retirement planning, it’s crucial that you fully understand your tax responsibilities and strategies before making any tax-related decisions. There are many options for strategies to minimize tax liabilities on your retirement investments. These tax strategies include:

  • Understanding your social security taxation
  • Different ways to keep your taxable income low such as having trust accounts, joint accounts, or using available cash as your withdrawal option
  • Understanding where it makes sense to convert your traditional IRAs into a Roth
  • Smart ways to manage your retirement investments based on your tax classification
  • Tax-smart ways to contribute to charity

Take Control of Your Federal Retirement and Finances

Failing to understand your federal retirement finances and benefits can be frustrating. Fed Made Simple changes the way you view federal retirement planning by providing you with useful resources on each topic of your federal retirement plan. If you have any questions or are interested in learning more about FERS retirement, TSP, financial planning, and federal benefits, feel free to contact us for strategic financial planning resources and learn why we’re the most trusted site for federal resources and financial planning!

how it works

How A Federal Retirement Plan Works

Knowledge & Accumulation
Contribute Enough To Reach The Limit Set
Maximize & Monitor
Contribute To Your TSP After Payroll Tax Deduction
Distribution & Preservation
Study Quarterly & Annual Statements


About Us

Our Company

My Fed University is dedicated to providing comprehensive services to Federal Employees. Our reputation is built upon a foundation of consistently high customer satisfaction. We measure our success by the confidence Federal Employees have in their future and financial well-being, knowing that we have fulfilled our mission.

Our Commitment

At My Fed University, we’re dedicated to providing accessible and personalized financial education solutions. Our commitment to integrity, continuous learning, and community engagement ensures that we empower individuals and organizations to make informed financial decisions and achieve lasting success.

Our Principle

Our core principles revolve around both nurturing financial growth and fostering enduring relationships. We are committed to empowering Federal Employees by not only expertly managing and expanding their wealth but also by offering a lifelong journey of financial education. Through our unwavering dedication to knowledge and partnership, we strive to equip Federal Employees with the skills and insights necessary to achieve their financial aspirations.