Financial Planner for Federal Employees
Your FERS pension, TSP, FEHB, and survivor benefits are unlike any private-sector retirement plan. You need a financial planner who understands the rules that govern your career — not a generalist learning on the job.
What a Federal-Focused Financial Planner Offers
FERS Pension Optimization
Exact retirement eligibility dates, high-3 salary calculations, sick leave conversion, and pension maximization strategies based on years of service.
TSP Strategy Beyond Target Dates
Fund allocation analysis, Roth conversion timing, withdrawal sequencing, and rollover decisions most generic advisors get wrong.
FEHB & Medicare Coordination
Navigate the complicated intersection of your federal health benefits and Medicare at 65, avoid coverage gaps and overpaying.
Survivor Benefits Analysis
SBP vs private insurance comparison, FEGLI evaluation, and strategies to protect your spouse without overpaying for coverage.
Tax-Smart Retirement Income
Multi-year Roth conversion strategies, bracket management, withdrawal sequencing from pension + TSP + Social Security to minimize lifetime taxes.
The Complete Retirement Picture
Integration of all your benefits into one cohesive strategy, because each decision affects the others in ways generalists miss.
Specialized Federal Planner vs. Generic Financial Advisor
Generic Advisor
- Learns federal benefits from a Google search
- Treats TSP like any other 401(k)
- Doesn't know FERS supplement rules
- Can't calculate sick leave conversion
- May push commission products
- One-size-fits-all retirement advice
PlanWell — Federal Specialist
- Holds ChFEBC designation — certified in federal benefits
- Knows TSP fund mechanics, lifecycle, and BRS differences
- Calculates your FERS supplement to the dollar
- Converts sick leave credit accurately
- Fee-based fiduciary — always in your interest
- Plans built around YOUR benefits, not generic templates
Why Federal Employees Trust PlanWell
Certified Financial Planner
Rigorous certification requiring education, examination, experience, and ethics. Less than 30% of advisors hold this designation.
Chartered Federal Employee Benefits Consultant
Specialized certification in FERS, CSRS, TSP, FEHB, and FEGLI. We speak your benefits language fluently.
Accredited Investment Fiduciary
Held to the highest fiduciary standard for investment management. Your interests always come first.
Transparent Pricing
No hidden commissions or product sales. You know exactly what you're paying and why.
How We Help Federal Employees
Choosing a Financial Planner for Federal Employees
What makes PlanWell different from other financial advisors?
We work exclusively with federal employees. Both of our advisors hold three specialized designations — CFP®, ChFEBC℠, and AIF® — a combination held by less than 1% of financial advisors nationwide. We understand FERS, TSP, FEHB, and FEGLI at a level that general-practice advisors simply cannot match.
Do you only serve federal employees near Washington, DC?
No. While many of our clients are in the DC metro area, we serve federal employees nationwide through virtual consultations. Whether you're in Denver, Atlanta, San Antonio, or any other city, we can build a comprehensive retirement plan for you.
How much does it cost to work with PlanWell?
Our fees depend on the complexity of your situation and the services you need. We offer both one-time planning engagements and ongoing advisory relationships. We're fully transparent about costs during our initial consultation — no surprises.
I'm 10+ years from retirement. Is it too early to start planning?
The earlier you start, the more we can optimize. Mid-career is actually the ideal time to begin — there are TSP contribution strategies, Roth conversion windows, and career decisions that compound over time. Many of our highest-impact plans start a decade before retirement.
Can you help with TSP management?
Yes. We provide specific fund allocation recommendations based on your timeline, risk tolerance, and overall financial picture. While TSP doesn't allow direct third-party management, we guide every decision and monitor your allocation alongside your other investments.
What's the first step?
Attend our free 3-hour FERS retirement workshop. It covers everything from pension calculations to TSP strategies to FEHB in retirement. If you want personalized guidance afterward, we'll schedule a one-on-one consultation to discuss your specific situation.
Ready to Work With a Real Federal Benefits Specialist?
Stop getting generic advice from advisors who don't understand your benefits. Get a plan built specifically around your FERS pension, TSP, and federal healthcare.