Federal Employee Retirement Planning

Specialized Financial Guidance for Federal Careers

 

At Capital Management Consultants, we help federal employees navigate their benefits with clarity and confidence — from new hires making initial elections to retirees finalizing their applications.

Through our partnership with FedPilot, we offer trusted expertise in coordinating your FERS or CSRS pension, TSP, Social Security, FEHB, and more — ensuring your retirement plan reflects the full value of your benefits.

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What We Cover

Expert Planning Across All Federal Benefit Programs

 

We provide step-by-step support for:

• FERS & CSRS Pension Calculations
  Including CSRS Offset and survivor benefit analysis

• Thrift Savings Plan (TSP)
  Investment guidance, rollover strategies, and withdrawal planning

• Social Security Integration
  Including timing and benefit coordination

• FEHB & Medicare
  Coverage strategies before and after retirement

• FEGLI & Long-Term Care
  Coverage analysis and cost comparison

• Special Retirement Supplement (SRS)
  Eligibility and income integration

• Retirement Application Assistance
  Support completing and submitting FERS/CSRS retirement forms

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New hires welcome — we help optimize benefit elections early.

Pre-retirees & mid-career professionals — get a clear retirement roadmap.

Retirees — maximize your income and benefits distribution.

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Workshops & Webinars

Federal Benefits Training That Counts

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We regularly host live workshops and webinars for federal employees. These sessions cover each benefit program in detail and explain how they work together — so you can confidently choose what’s right for your future.

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Why It Matters

Federal Retirement Benefits Are Powerful — If You Use Them Right

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Your benefits package is one of the most valuable parts of your federal employment — but it’s also one of the most complex. Missteps can result in lost income, higher healthcare costs, or limited retirement options.

We specialize in helping you make the most of your benefits by creating a customized financial plan that integrates:

• Government benefits

• Personal savings & investments

• Tax efficiency

• Long-term lifestyle goals​​

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Need help with your TSP? Confused about FEHB vs. Medicare? Curious how your pension will actually pay out?
We’ve got answers — and a proven process to turn them into a confident retirement plan.