How it works
From unsure to confident about your federal retirement.
Four simple steps. Every one is free, and you decide how far to go. Most people start with the class, then talk with Joe.
The four steps
What happens, and when
Learn the basics
Watch the free 22-minute class, or search our Learning Center. You'll understand your pension, TSP, FEHB, FEGLI and survivor choices before you talk to anyone.
Watch the class →Talk with Joe for 15 minutes
Bring your questions. Joe Corozza works with federal employees every day and gives you straight answers about your situation.
Pick a time →Get your Gap Report
Built from your own records and ready 24–48 hours after your call. Joe walks you through every line: your projected income and any shortfalls.
See what's in it →Decide what's next
If your report shows a gap and you'd like to explore ways to fill it, a licensed planning specialist on our team can show you options. Only if you ask.
What it costs
Nothing. Here's our promise.
We make it free because most federal employees have never seen their whole retirement picture in one place, and the earlier you see it, the more options you have.
- The class, the call and the Gap Report are free
- No obligation, and no product pitch on your first call
- Your Gap Report is yours to keep
- You decide if and when there's a next step
- Independent: not part of OPM or any agency
Common questions
Do I need to be retiring soon?
No. People 10 years out get the most from it, because there's still time to act. We also help people retiring this year, leaving early and already retired.
Can my spouse join the call?
Yes, and we encourage it. Survivor benefits and health coverage decisions affect you both.
What do I need for the Gap Report?
Your SF-50, a recent pay stub (LES), your TSP statement and your Social Security statement make it most accurate. Don't have them all? Book anyway and we'll work with what you have.
How long does it take?
The first call is about 15 minutes. Your Gap Report is ready 24–48 hours later, and Joe walks you through it on a short follow-up call.
Will you try to sell me something?
The class, the first call and the Gap Report are education. If your report shows a gap, we can explain options on a separate call, but only if you want to.
Ready when you are
Start with whatever feels right. Every option is free.