Employee Retirement Benefits

Maximize Your Benefits with Expert Advising

As a federal or postal government employee, you might have important questions regarding your federal benefits. Having a limited understanding of your pension, Survivors Annuity, FEGLI, and Thrift Savings Plan (TSP), could cost you THOUSANDS of dollars—especially during your retirement.

It’s vital you know your options. Our licensed and train representatives understand federal and postal employee benefits. By working together, you’ll secure your retirement funds against market risk and maximize guaranteed income in retirement. After a thorough consultation, one of our team members will be happy to provide you with a FREE “Summary of Benefits” report.

There is no charge or fee for the services we provide.

Additional Information About Your Benefits

If you're covered by the Federal Employees Retirement System (FERS), your employing agency makes an automatic contribution equal to 1 per cent of your salary. Investments are matched dollar for dollar for the first 3 percent of pay invested per pay period, and then 50 cents on the dollar for the next 2 per cent of pay invested per pay period. Employees become vested in the automatic contributions and the earnings on them after 3 years of federal civilian service.

Civil Service Retirement System (CSRS) covered employees can also invest in the Thrift Savings Program (TSP), but they receive no matching contributions. The annual dollar limit for contributions is $18,000. TSP participants can make additional investments under certain conditions for each year in which they are 50 or older. The maximum amount is $6,000.

We understand this can be a lot of technical information to take in. If you need assistance understanding the specifics, or would like to go over how these provisions apply to your benefits and financial status, contact us today. Our team is prepared to provide you with resources and additional information that make you feel in control of your benefits, and not the other way around!


Get Your FREE Federal Retirement Benefits Report

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You Can Look Forward To

Guarantee of principal against market fluctuations

An income for life, no matter how long you may live

Enhanced income if you become confined to a medical institution

Get in touch today and receive a Stress-Free Quote

Thomas & Thomas Advisors

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