Independent education for federal employees. Not affiliated with OPM or any government agency. Call (833) 753-1825

What's keeping you up at night?

Pick the question that sounds like you. Each one opens a plain-English guide with a short video and the mistakes we see most.

A retired couple going over benefit paperwork together
Will my money last? Your FERS pension, the supplement that stops at 62, and how to draw down the TSP. Pension & TSP income → What happens to my health coverage? Keeping FEHB in retirement, the 5-year rule, and whether to take Medicare Part B. FEHB, PSHB & Medicare → What does my spouse get if I die? Survivor annuity elections, FEGLI after 65, and Social Security survivor rules. Survivor & life insurance → Can I leave now, and what do I lose? Early outs, VERA and VSIP, MRA+10, deferred retirement and RIF situations. Leaving early → Am I doing the paperwork right? Your SF-50, sick leave credit, military buy-back and beneficiary forms. Forms & service credit → What if I need long-term care? What FEHB and Medicare don't cover, and your options now that FLTCIP is closed to new applicants. Long-term care →
22 min · 9 chapters

Free on-demand class · 22 minutes

The federal retirement class you can watch tonight

  • How your FERS pension and supplement are calculated
  • The TSP withdrawal choices that cost people the most
  • How FEHB, Medicare and FEGLI change when you retire
  • Survivor elections you only get to make once
  • Leaving early, military time and long-term care
Watch the free class Starts right away. No webinar times.

Free Gap Report

See your retirement income, and the gaps, on one page

After a short intake call, we use your own service history and salary to project what you'll actually receive and flag what could leave you short. Your report is ready 24–48 hours later.

✓ FERS or CSRS pension ✓ FERS supplement to age 62 ✓ TSP income estimate ✓ Social Security timing ✓ FEGLI cost after retirement ✓ FEHB and Medicare ✓ Survivor benefit options ✓ Ready in 24–48 hours
Reviewing a retirement income report with a calculator
Retirement Gap Report Sample
FERS pension
FERS supplement
TSP income
FEHB premium
Monthly income gap
Your report uses your own numbers. Figures above are hidden.

How it works

Three free steps. Take them in any order.

No cost, no obligation, and no sales pitch before you're ready.

122 minutes

Learn the rules

Watch the free on-demand class or search 370+ guides. Understand your pension, TSP and coverage before you decide anything.

Watch the free class
2Ready in 24–48 hours

See your numbers

A short intake call, then your Gap Report: what you'll actually receive and where the shortfalls are, built from your own records.

Get my Gap Report
315 minutes

Ask your questions

A quick call with a licensed specialist about your situation. You get straight answers, and you decide what happens next.

Book 15 minutes

Meet your Sherpa

Joe Corozza

Joe has spent more than a decade helping people near retirement turn their benefits and savings into income they can count on, and much of that work is with federal employees. He'll show you how your pension, survivor choices, FEHB, FEGLI and TSP fit together, in plain English, before you make decisions that are hard to undo.

Former college football coach · Florida Atlantic University graduate · Florida-licensed insurance agent

A military family laughing together on the couch at home

Start where you are

The questions and deadlines change with your stage. Pick yours and we'll show you what matters now.

A retired service member on a phone call about his benefits

Retirement is a one-time decision. Make it with your real numbers.

Fifteen minutes on the phone can save years of second-guessing. Questions? Call (833) 753-1825.