We work exclusively with federal employees and their families. Federal retirement follows a different set of rules, so we've chosen to focus our practice on helping federal employees understand their benefits and make informed retirement decisions.

Federal retirement follows a different set of rules. Our knowledge and experience allow us to build every plan around those rules instead of trying to fit a private-sector approach to a federal career.

Yes. Retirement decisions affect the whole family, especially when it comes to survivor benefits, healthcare, and retirement income. We encourage spouses to be part of the conversation from the beginning, so everyone understands the plan.

CSRS is the older federal retirement system, while FERS covers most employees hired since 1984. FERS combines a pension with Social Security and the Thrift Savings Plan, while CSRS relies more heavily on its pension. Knowing which system you're under is the starting point for building the right retirement plan.

You can leave your money in the TSP, move it, or begin taking income from it. Each option has advantages and trade-offs. We help you compare them alongside your pension, Social Security, taxes, and income needs, so you choose the option that's right for you.

Often, yes, if you meet the eligibility requirements before you retire. We'll confirm you're eligible to keep your FEHB coverage and help you decide how much FEGLI protection still makes sense once you're no longer working.

The age you claim affects your monthly benefit for life, so it's worth getting right. The best timing depends on your health, your pension, your other retirement income and savings, and your long-term goals. We compare your options so your Social Security decision fits your overall retirement plan.

Not necessarily. Federal employees have options many retirees don't. Whether Medicare Part B makes sense depends on your healthcare needs, your budget, and how it works with your FEHB coverage. We'll help you compare the trade-offs before you decide.

Retirement isn't just about how much income you have—it's about how much you keep. We help you coordinate your income sources with taxes in mind, so your retirement works more efficiently over time.

We do it with you. Whether you're using the Online Retirement Application (ORA) or completing paper forms, we'll walk through every step together, help you complete the required documents correctly, and help you track your application through OPM.

Every federal retirement follows a different timeline. While OPM processing varies from 3 months up to 12 months in some cases, we help you prepare in advance, complete your paperwork correctly, and understand what to expect throughout the process.

We'll provide you a personalized checklist of the documents and information you'll need. It varies, but the most common documents are a marriage license, divorce decree, DD 214 and military buy-back records.

Your first conversation is complimentary and comes with no obligation. If we decide to work together, we'll clearly explain how we're compensated before you make any decisions.

Not at all. We meet many clients in person at our Broken Arrow office and many others through phone and Zoom across the country. Whether we meet in person or remotely, you'll receive the same personal guidance and support.

The earlier you start, the more choices you'll have. Whether retirement is years away or just around the corner or happened a few years ago, we'll meet you where you are and help you make the most of the time you have.

Start with a conversation. You don't need a plan or a stack of paperwork. We'll meet you where you are, answer your questions, and help you understand what comes next.