Retirement should feel like a reward — not a risk. But for many federal employees, small oversights lead to big problems later.
✅ Surprise #1: Required Beneficiaries – Avoid costly mistakes on outdated forms
✅ Surprise #2: Surviving Spouse Benefits – Understand your spouse’s protection
✅ Surprise #3: FEGLI Life Insurance – What really happens to your coverage and cost
✅ Surprise #4: Health Insurance – New rules with FEHBP and PSHBP
✅ Surprise #5: Medicare Integration – Coordinating FEHB and Medicare at age 65
✅ Surprise #6: Social Security, FERS & CSRS – How they work together (and conflict)
✅ Surprise #7: TSP – Reforms, withdrawal options, and tax-smart strategies
Have questions? Schedule a review with me.
📲 Get your free 17-point retirement assessment: https://www.febcnow.com
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