TAKE CONTROL OF YOUR RETIREMENT

Get clear, one-on-one guidance to understand and maximize your federal benefits.

With over 20 years of experience, we have become masters of our craft in providing retirement education and financial advice. Our commitment to quality products, exceptional services, and incomparable customer care ensures that our community receives the best support throughout the retirement process. Whether it’s through appointment booking for personalized retirement planning or guidance on how to maximize benefits as federal employees, we keep our clients coming back again and again.

731-477-1019

Learn about the retirement process, maximize your benefits, and retire with comfort.

Reviewing pension paperwork with a calculator.

Retirement Planning (FERS & CSRS)

We’ll help you see what your pension could look like, when you can retire, and how to make the most of your years of service.

Discussing savings strategy on a laptop chart

TSP & Income Strategy

Understand your TSP options, withdrawals, and how to turn your savings into reliable retirement income.

Health & Life Benefits

We’ll explain how your FEHB, Medicare, and FEGLI work together—so you can make confident coverage choices.

Military service and survivor benefits documents.

Survivor & Military Service Options

Know how survivor benefits and military service credit can affect your pension and family’s security.

WHAT YOU NEED

You probably have lots of questions and goals regarding your federal employee retirement. Whether it’s taking that bucket list trip, spending more time with your grandchildren, or finally learning how to play that one instrument, we’re here to provide retirement education and financial advice that helps you maximize benefits. Our retirement planning services ensure you have the necessary retirement support throughout the retirement process, so you can live the life you want in retirement.

WHAT TO EXPECT

Imagine feeling confident about every financial decision you make regarding your federal employee retirement. It may sound ambitious, but that’s where we come in. We offer retirement education and support to ensure you can navigate the retirement process with ease. Our goal is to provide you with accurate and reliable financial advice, helping you maximize benefits and effectively plan for your future. Plus, we offer convenient appointment booking to discuss your retirement planning needs.

WHAT YOU GET

We are here to provide retirement education and support for your transition from federal employee retirement, one of life’s biggest milestones. Our retirement planning process ensures you check every box in preparation for retirement, helping you maximize benefits and offering financial advice along the way. For personalized assistance, we encourage appointment booking to discuss your unique retirement process.

Real Stories from Federal Employees

This consultation was very informative . Mr Upchurch was so helpful in putting my particular situation into the Federal Benefits equation to clarify my outcomes and scenarios for retirement. Extremely valuable consultation.
My “counselor” David Upchurch has been thorough and kind. I feel confident that I will get the most from my retirement with his advice. I have had 2 other reps in the past, he is the only one that has done his due diligence to remember me and keep in touch. Thank you, David! You are awesome!
David Upchurch has always been great taking care of all my needs with the post office. At the most stressful time in my life he was there to make sure what was needing to be done was done. My sister also worked for the post office and he was always available to us both to make sure our money was put where it needed to be to benefit us the most.

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Frequently Asked Questions from Federal Employees

It’s never too early to start. Reviewing your benefits early in your career helps you make smarter decisions about service time, TSP contributions, and survivor options.

The Civil Service Retirement System (CSRS) applies to employees hired before 1984, while the Federal Employees Retirement System (FERS) covers most employees hired after that. FERS combines a smaller pension with Social Security and the Thrift Savings Plan (TSP), offering more flexibility but requiring proactive planning.

Eligibility depends on your age and years of creditable service. Under FERS, for example, you can usually retire with full benefits at your Minimum Retirement Age (MRA) with 30 years of service, at age 60 with 20 years, or at 62 with at least 5 years. Reviewing your official service record is the first step to confirming your options.

Yes. We can walk you through your benefit estimate, explain how factors like unused sick leave and high-three salary calculations affect it, and make sure you’re clear on what to expect from your monthly income.

That’s the best time to get started. A quick review of your current benefits now can help identify gaps and ensure you’re on track to retire when and how you want.

You’ve dedicated your career to serving the public. Now it’s time to make sure your retirement serves you. We help federal employees understand their benefits, avoid costly mistakes, and plan for a confident future.

Call: 731-477-1019

Why Federal Employees Choose Us

Federal employees dedicate their lives to serving others, but when it comes to understanding federal retirement benefits, even the most experienced professionals can feel uncertain. That’s why we’re here: to provide clarity, one-on-one guidance, and a trusted path toward a secure, confident retirement.

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