Financial Planning for Federal Employees

    TALK TO AN ADVISOR

    Connect with our team to:

    • Book time with an Advisor that works with your schedule – meet virtually, by phone or in person.
    • Ask questions, discuss your current financial situation and goals, determine actionable next steps.

     

     

    Who We Serve

    We work with federal employees across agencies and career stages, including:

    Federal Employees by Career Stage

    • Career professionals building a strong foundation
    • Late-career employees preparing for retirement eligibility
    • Retirees seeking income clarity and tax efficiency
    • Spouses and survivors navigating benefit elections and transitions

    Federal Agencies

    • Department of Defense (DoD)
    • Department of Homeland Security (DHS)
    • Department of Justice (DOJ)
    • Department of Health and Human Services (HHS)
    • Department of Commerce (DOC)
    • Department of Agriculture (USDA)
    • Homeland Security Investigations (HSI)
    • And more

    Special Category Federal Employees

    • Air traffic controllers
    • Law enforcement professionals
    • Firefighters
    • And more

     

    How EP Wealth Helps Federal Employees

    Our team coordinates every major element of your federal benefits with your broader financial life.

    Federal Benefits & Retirement Planning

    • FERS & analysis: Pension projections, special retirement supplement eligibility, COLAs, and survivor elections
    • TSP optimization: Contribution strategy, Roth vs. Traditional guidance, allocation and withdrawal planning
    • Social Security coordination: Claiming strategies aligned with your pension and spouse benefits
    • Federal Employees' Health Benefits (FEHB) & Federal Employees’ Group Life Insurance (FEGLI) decisions: Coverage analysis before and after retirement
      1. As a federal retiree, you have access to two health insurance systems, Federal Employee Health Benefits (FEHB) and Medicare, and they can work together to give you comprehensive coverage. Both work together, but depending on your age and employment status, one will be your primary and the other your secondary coverage.
      2. Your EP Wealth advisor can help you understand when Medicare becomes primary and how FEHB fits in, enrollment considerations for Medicare Parts A and B, and how healthcare decisions affect your retirement plan.

    Comprehensive Financial Planning

    • Retirement income planning: Sustainable income strategies built around your pension and savings
    • Tax planning: Proactive strategies to reduce lifetime taxes before and after retirement
    • Investment management: Personalized portfolios aligned with your goals and risk tolerance
    • Estate planning coordination: Beneficiary alignment and legacy planning

    Career & Life Transitions

    • Buyouts and early retirement: Analysis of incentives, severance, and long-term impact
    • Divorce and survivor planning: Benefit division, court order considerations, and protection strategies
    • Post-retirement employment: Income, benefits, and tax implications

     

    Common Reasons Federal Employees Consider EP Wealth Advisors

    Specialized Experience

    We understand the nuances of federal benefits and how they intersect with your personal finances - so you don’t have to navigate them alone.

    Fiduciary Advice

    As fiduciaries, we are legally and ethically committed to act in your best interest.

    Integrated Team Approach

    Your advisor is supported by tax, estate, investment, and other specialists working together on your behalf.

    Personalized, Ongoing Guidance

    Federal rules change. Life changes. We provide ongoing advice - not one-time recommendations.

     

    Common Questions from Federal Employees

    When is the right time to retire?

    We help you evaluate eligibility, income sustainability, healthcare coverage, and lifestyle goals to determine the right timing for you.

    How should I use my TSP in retirement?

    We integrate TSP withdrawal strategies with your pension, Social Security, and other assets.

    FERS Retirement Eligibility & Basics

    • When can I retire under FERS?
    • What is FERS retirement?

    Pension & Income Questions

    • How do I calculate my federal retirement benefit?
    • How much will my FERS pension be?
    • How does unused sick leave increase my annuity?

    TSP Specific Questions

    • How does the Thrift Savings Plan (TSP) work?
    • Should I roll over my TSP to an IRA?
    • What are withdrawal options for my TSP at retirement?
    • How much should I take from TSP each month?

    Social Security & Coordination

    • Do federal employees get Social Security?
    • When should I take Social Security benefits?
    • How does federal pension affect Social Security?

    Health Insurance & Other Benefits

    • Can I keep my Federal Employees Health Benefits (FEHB) after retiring?
    • What happens to Federal Employees’ Group Life Insurance (FEGLI) after retirement?
    • How does Medicare work with FEHB in retirement?

     

    Start Planning for What’s Important

    You’ve dedicated your career to public service. Your financial plan should serve you just as well.

    Schedule a complimentary consultation with an EP Wealth Advisor to explore how we can support your federal career and retirement goals. 

    Request an appointment with an EP Wealth Advisor when you have a minimum of $500,000 in investable assets – which includes qualified retirement plans (IRA, Roth IRA, 401(k), taxable brokerage, cash (savings/checking) and CDs). Investable assets do not include your home, vehicles, or collectibles.

    DISCLOSURES

    • Please note that the services offered on this page are not exclusive to Federal Employees. These services are part of the same comprehensive suite that we provide to all our clients, regardless of their employer.
    • EP Wealth Advisors (“EPWA”) makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information presented. All expressions of option are subject to change without notice. .
    • Hiring a qualified advisor and/or financial planner does not guarantee investment success and does not ensure that client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any direct or implied results of projections being represented here will be met or sustained.
    • Information presented is general in nature and should be viewed as a comprehensive analysis of the topics discussed. It is intended to serve as a tool containing general information that should assist you with the development of subsequent discussions. Content does not involve the rendering of personalized investment advice or intended to supplement professional individualized advice.
    • Laws vary by state. The information presented herein is intended to be general in nature and may not apply to your state of domicile. Please consult local legal counsel to determine the best practices for your state.
    • Please consult with a CPA, tax professional, and/or attorney regarding your specific situation before implementing any of the strategies reference directly or indirectly herein.
    • The need for a financial advisor or financial planner and/or the type of services required are specific to the uniqueness of each individual’s circumstances. There is no guarantee or warrantee that the services offered by EP Wealth Advisors will satisfy your financial service requirements. Services offered by other advisors may align more to your specific needs.
    • All investment strategies have the potential for profit or loss. Different types of investments and investment strategies involve varying degrees of risk, and there can be no assurance that any specific investment strategy will be suitable or profitable for a client’s portfolio. The risk of loss can never be eliminated even if working with a professional.
    • EP Wealth Advisors, LLC. is registered as an investment advisor with the SEC and only transacts business in state in where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability.
    • Please note that the services offered on this page are not exclusive to Federal employees, retirees, their spouses, or their survivors. These services are part of the same comprehensive suite that we provide to all our clients, regardless of their employer.

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