Federal Benefits

Are You a Federal Employee Looking for Financial Planning Solutions?

If you are a federal employee your retirement income will typically be comprised of: Social Security (if you are FERS), Employer Defined Benefit (your Federal annuity), Employer Defined Contribution (Thrift Savings Plan), Voluntary Contribution Program (if you are CSRS), personal savings (banks and credit unions) and other benefits that you may have established on your own.

All three of these pools of money have different features and benefits. Making sure you understand your benefits and options is a key part of making informed decisions when it comes to your retirement income.
Fill out the form below to contact a Federal Employee Retirement specialist.

For over 30 years, Craig and Frank Hebert of Balsam Capital Group, LLC have been working with both active and retired federal employees (in both the old system – CSRS and the new system – FERS), taking the complexity and hassle out of retirement planning. Their headquarters in Bowie, MD. is centrally located between Washington, D.C. and Baltimore, providing convenient access to valued clients. Over the past several years, as an uncertain and challenging economic environment has unfolded, Craig and Frank have seen a dramatic increase in the number of federal employees seeking their counsel regarding critical retirement concerns.

Federal Employee Planning

Navigating the right options for your retirement can be a daunting task. Especially if you’re a federal employee. With over 20 years of experience in the retirement planning and federal employee benefit marketplace we have the experience and knowledge to guide you in the right direction.

Do your federal benefits have you confused? Overwhelmed? Frustrated? We can help!

We can answer all of your questions including:

  • When is the best time for me to retire?
  • Do I have a FERS or CSRS plan?
  • How do I calculate my annuity payment?
  • What are all of the benefits associated with my FERS/CSRS plan?
  • How do I reduce the taxes I pay on my retirement income?
  • What payout option will generate the highest retirement income stream?
  • Have I considered pension maximization?

For answers to these and any other questions you have in regard to your retirement plan contact us today for a complimentary consultation.