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For Federal Employees


If you are employed by the Federal Government, you may be left with more questions than answers when trying to understand your benefits, and how they apply to your financial plan.  Most financial planners do not understand federal employee benefits and retirement plans.  As one of only five Chartered Federal Employee Benefits Consultants (ChFEBC) in Massachusetts, I am uniquely positioned to advise you on all aspects of your federal benefits.  Below are some of the questions I have helped my “Federal Government” clients address: Sabbaday Falls
 
CSRS/CSRS-Offset/FERS

  • When can I retire, given my age and years of service with the federal government?
  • When should I retire, given my individual financial situation?
  • How much is my retirement benefit worth every month?
  • What is the Windfall Elimination Provision (WEP), does it affect me, and by how much will it reduce my Social Security Retirement Benefit?
  • Which options should I take to:
    • Ensure that my spouse is protected against my untimely death
    • Ensure that my spouse can maintain the health insurance coverage
    • Maximize my monthly federal pension

FEGLI

  • Should I purchase my life insurance coverage through the Federal Employee Group Life Insurance Plan (FEGLI), or is it more advantageous and cost-effective to purchase an individual life insurance policy?

Federal LTCI Plan (offered by LTC Partners)

  • Should I purchase my long-tern care insurance policy through the Federal LTCI Plan (offered by LTC Partners), or is it more advantageous and potentially cost-effective to purchase an individual long-tern care insurance policy?

CSRS Voluntary Contribution Plan

  • Should I invest in the CSRS Voluntary Contribution plan?
  • What is the most advantageous way for me to withdraw my existing balance in the CSRS Voluntary Contribution plan?

Thrift Savings Plan (TSP)

  • Given my risk tolerance and time horizon to retirement, as well as my other retirement assets, how should I allocate my assets in the TSP?
  • Can I direct transfer my assets from my TSP account to a Rollover IRA with another investment firm if I am over age 59½? 


©2018 Craig DuVarney, CFP™. All rights reserved.
Advisors on the 2014 Rep magazine/WealthManagement.com “Top Next Gen IBD Advisors” list were ranked exclusively by assets under management.  Advisors on the list were also required to be under the age of 40.  Nominations were solicited by Rep magazine from the top 35 Independent Broker-Dealers by headcount.  Also, Rep magazine and WealthManagement.com did not receive any compensation from financial advisors, participating firms and affiliates or the media in exchange for rankings.  Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.
CFP™ and CERTIFIED FINANCIAL PLANNER ™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.  Advisory services offered through Craig DuVarney, CFP ™, a registered investment advisor licensed in the state of Massachusetts and New Hampshire. As such, these services are strictly intended for individuals residing in MA or NH.
Securities offered through Royal Alliance Associates, Inc., Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CT, FL, GA, IN, MA, ME, MC, NH, NY, PA, RI, SC and VA.  No offers may be made or accepted from any resident outside the specific states referenced. 3 Centennial Drive Peabody, MA 01960 (978) 977-4757