Federal Retirement Planning – Wilmington, DE

SML_Admin — Mon, 19 Jun 2023 16:56:44 +0000

Are you looking for federal retirement planning guidance in or near Wilmington, Delaware? Federal employees have great benefits, but those retirement, life, and survivor benefits programs are about as complicated as these things get. To make well-informed choices, it’s good to understand what is available to you.

Just that part can be challenging, as federal employee benefits have so many ins-and-outs, and not only that, making one choice can impact your other choices or your situation altogether. For example, have you planned to leave a survivor benefit for your spouse? What if your spouse passes away before you? What happens to the money that was put up as a ‘cost’ for the survivor benefit, then?

You deserve to know where different federal benefits scenarios and choices can lead. To find assistance, start by looking for an independent federal retirement planning consultant serving Wilmington. You want to find someone willing and eager to answer your questions. At SafeMoney.com, we work with independent federal benefits experts serving Wilmington, New Castle, Smyrna, Townsend, Dover, Milford, Rehoboth Beach, Millsboro, Bridgeville, Camden, and the surrounding areas.

If you want to find someone who can answer your questions about your benefits now and what they will look like at your planned separation of service date, SafeMoney.com financial professionals can help you. We understand your various options for your federal benefits and the typical mistakes that many federal employees make.

Our independent financial professionals can also help you with technical questions like the cost of a survivor benefit, how to get reliable income from your TSP, and how changes in your life can affect your benefits. We can help you with these questions and many more. Usually, we can cover your first group of federal retirement benefits planning questions in an hour or so.

Call us at 877.476.9723, and we will introduce you to a SafeMoney.com independent financial professional for an initial consultation meeting. They will do a comprehensive benefits analysis report for you. This report will help you identify possible gaps in your benefits and ways to cover those gaps now. Both the report and the meeting are free and without obligation to you. You can expect to leave your meeting with a better understanding of your federal benefits and the best options for you.

A Mandate for Federal Benefits Education for All U.S. Government Employees

Request Your Federal Benefits Analysis

Join hundreds and hundreds of other federal employees from all agencies -- gain clarity for your financial future. Complete the form to request your free federal benefits analysis and walkthrough.

[contact-form-7]

You may not know it, but it’s mandatory that every federal employee receive retirement literacy and federal employee benefits education. Per OPM guidelines and U.S. Code Title 5, you should receive this training on an ongoing basis as long as you are a federal employee. That sounds great, but it doesn’t always work out that way in the end.

There is no consistent training for U.S. Government employees and their federal retirement benefits. Think about what happened when you first tried to get your training. Perhaps you went through a hurried HR-type orientation or got an 800 number (with long waits on hold) to call with your inevitable questions.

Your benefits play a big role in your future. They affect the long-term financial well-being of your family and, of course, you personally. The virtually universal lack of understanding by federal employees about their hard-earned benefits isn’t acceptable. You should understand your benefits, your different options, and how various life changes and other situations can affect your potential benefits.

Contact us when you are ready for guidance with your federal retirement benefits planning. Our SafeMoney.com financial professionals have served U.S. Government employees throughout the United States. We will prepare a federal retirement planning guide for you, which includes a personalized federal benefits analysis so that you can envision and shape your future 10, 20, or even 30 years from now. This report is helpful regardless of where you are in your federal career.

What Can a Federal Retirement Planning Consultant Do for You?

The federal employee benefits you have accrued depend, at first, on the retirement system to which you belong: CSRS or FERS. Most federal employees (over 90%) today are in FERS, but some long-time federal government employees still belong to CSRS.

In addition, some federal government roles, such as certain law-enforcement positions, may have unique benefits computations or eligibility for early retirement. Our team of financial professionals can help you in figuring out these situations as well.

Whether you are a new federal employee or a long-time veteran employee, searching for information on your federal benefits may have been a daunting experience. Tons of information is available online, but it can be all over the place. What’s more, like all government documents, the information can be difficult to understand and is probably one-size-fits-all — not great for your personal questions.

You need this customized benefits information so you have the basis for well-informed choices for your and your family’s future. Instead of settling for some boilerplate, good-for-everyone guidance that isn’t focused on you, think about working with someone who can answer your questions about your benefits. A SafeMoney.com independent benefits consultant can guide you through your specific available benefits choices and provide you with calculations for what they will look like now and in the future. They will also offer options to maximize them.

When you contact our team, we will connect you with a financial professional who can answer your most challenging questions and more. They will also give you your free, no-obligation integrated federal benefits analysis.

What’s In a Personalized Federal Benefits Analysis?

Have Questions About Your Financial Goals?

877.476.9723

Your federal benefits analysis will let you end up with an integrated walkthrough of all your benefits, including your pension, any life insurance coverage, the various surviving spouse benefit options, retirement investments, and how everything they discussed ties together.

Your SafeMoney.com federal benefits strategist will cover these different aspects of your federal retirement planning picture:

Calculations of your FERS employee benefits
Present and future pension calculations
TSP, FEGLI & Social Security projections
A reasonable figure for how much income you will have each month
An understanding of your survivor benefits and life insurance coverage
Different timing options for you to retire

Your federal employee benefits consultant can answer your questions when you receive your report. They can also answer questions about military buyback, sick leave, and CSRS offsets.

Get Clarity on Your Benefits and Your Federal Retirement Planning Questions!

Our goal at SafeMoney.com is to help you understand your federal retirement benefits and how everything works together. We can get you the information you need to make well-informed decisions about your hard-earned benefits in an hour or so. This is all at no cost and with no obligation to you to work with us from there.

You can request your free integrated federal benefits analysis and report via the form on this page or by phone. Call us today at 877.476.9723, and we will introduce you to a SafeMoney.com independent federal retirement planning strategist serving the Wilmington, Delaware area. Our federal benefits strategists cover Wilmington, New Castle, Smyrna, Townsend, Dover, Milford, Rehoboth Beach, Millsboro, Bridgeville, Camden, and the surrounding areas.

Over many years, our SafeMoney.com team has helped thousands of households learn and plan for a successful federal retirement. If you are looking for an explanation of the many options for your benefits and your financial future, please reach out to us at any time.

Give us a call. We will show you how personalized service can make a significant difference in your retirement strategy. We look forward to serving you!

The post Federal Retirement Planning – Wilmington, DE first appeared on SafeMoney.com.

The post Federal Retirement Planning – Wilmington, DE appeared first on SafeMoney.com.