Capitol Landing Wealth provides specialized federal retirement planning for federal employees and military personnel nationwide. Your federal benefits — FERS, TSP, FEHB, and SRS — are complex systems that require specialized knowledge. Most financial advisors don't understand them. As a fee-only fiduciary, Capitol Landing Wealth provides objective guidance tailored specifically to federal retirement decisions, with services delivered virtually so you can work with us from anywhere.
Why Federal Employees Need Specialized Planning
Federal retirement is fundamentally different from private sector retirement. Your benefits package includes a pension, a unique savings plan, and health benefits that follow different rules than anything in the private sector. Making the wrong decision on TSP withdrawals, FEHB enrollment, or your SRS eligibility can cost tens of thousands of dollars over a retirement. A financial advisor who understands these systems is essential.
What Federal Retirement Planning Covers
FERS Pension Analysis — Your FERS pension is the foundation of your federal retirement. Capitol Landing Wealth calculates your projected annuity, analyzes the impact of retiring at different ages, and coordinates your pension with Social Security and TSP income.
TSP Rollover & Distribution Strategy — The Thrift Savings Plan offers low-cost investment options, but the withdrawal rules in retirement are limited. Capitol Landing Wealth evaluates whether to keep your TSP, roll it to an IRA, or use a combination — and builds a tax-efficient distribution strategy around it.
FEHB Into Retirement — Federal Employee Health Benefits can continue into retirement if eligibility requirements are met. Capitol Landing Wealth helps you understand enrollment rules, coordinate FEHB with Medicare at 65, and avoid gaps in coverage.
Special Retirement Supplement (SRS) — If you retire before 62 under FERS, you may qualify for the SRS — a bridge payment that approximates your Social Security benefit. Capitol Landing Wealth factors this into your income plan and helps you understand when it starts and stops.
CSRS Coordination — For longer-tenured federal employees still under the Civil Service Retirement System, the planning considerations are different. Capitol Landing Wealth understands both systems and how they interact with Social Security and survivor benefits.
Military Pension & Benefits Coordination — Military retirees and those with both military and civilian federal service face unique planning challenges. Pension coordination, Survivor Benefit Plan decisions, and VA benefit integration all require careful analysis.
Who This Is For
Federal retirement planning is for you if you're a federal employee within 5 years of retirement and need a clear transition plan, want to understand the best time to retire based on your FERS pension and TSP balance, need help deciding whether to roll your TSP to an IRA, are approaching 65 and need to coordinate FEHB with Medicare, are a military retiree navigating pension and VA benefits alongside federal civilian benefits, or simply want a fee-only fiduciary who understands the federal system and has no products to sell.
Frequently Asked Questions
When is the best time to retire as a federal employee?
The best retirement date depends on your FERS pension calculation, TSP balance, sick leave balance, and eligibility for the Special Retirement Supplement. Capitol Landing Wealth analyzes all of these factors to help you choose the optimal date.
Should I roll my TSP into an IRA?
Not always. The TSP offers extremely low fees and the G Fund provides a unique safe investment option unavailable outside the federal system. However, an IRA offers more flexibility and investment options. Capitol Landing Wealth evaluates your specific situation before recommending a move.
How does FEHB work with Medicare?
At age 65, most federal retirees should enroll in Medicare Part A (which is free if you have enough work credits) and Part B. FEHB then becomes secondary coverage. Coordinating both correctly can significantly reduce your out-of-pocket healthcare costs in retirement.
What is the Special Retirement Supplement?
The SRS is a temporary benefit for FERS employees who retire before age 62 with an immediate, unreduced pension. It approximates your Social Security benefit and stops when you reach 62. It's subject to an earnings test if you work during that period.
Do I need a financial advisor who specializes in federal benefits?
Yes. Federal retirement benefits operate under different rules than private sector plans. An advisor unfamiliar with FERS, TSP, FEHB, and SRS may provide incorrect guidance that costs you money. Capitol Landing Wealth understands these systems and builds your plan around them.
