The opportunity
The largest, most stable client base in America.
Three million federal civilians. A trillion dollars in retirement assets. A generation approaching retirement. Almost no advisors trained to serve them.
3M
Civilian federal employees
Across all agencies and branches
$1.0T+
In TSP assets
The single largest defined-contribution plan in the world
600k+
Eligible to retire now
Meeting MRA and service requirements today
$95k
Median federal salary
Plus FERS pension, FEHB, and TSP match
Federal employees occupy a unique position in the American financial landscape. Their employment is stable by design. Their retirement system — FERS — combines a guaranteed pension, a matched savings account (TSP), and Social Security into a three-layer structure that requires coordinated planning to optimize. No other workforce segment offers this level of planning complexity paired with this level of financial predictability.
At retirement, federal employees face mandatory benefit elections that are largely irrevocable. Pension survivor benefit options, FEHB-Medicare coordination, FEGLI reduction elections, TSP withdrawal timing — each decision affects the others. WEP and GPO rules can significantly reduce Social Security income for some CSRS-covered employees. Without an advisor who understands the system, federal employees are making these decisions blind.
The knowledge gap
Most advisors were never trained for this.
The CFP curriculum covers retirement income planning broadly — but it does not cover FERS annuity calculations, TSP withdrawal sequencing, FEGLI conversion options, or the FERS Supplement. Advisors who work with private-sector clients are well-prepared for private-sector retirements. Federal retirement is a different system entirely.
That gap is not the advisor's fault. The training has never existed at scale — until now.
FERS vs. CSRS differences — and why they require entirely different planning approaches
MRA+10 retirement rules and their impact on benefit entitlement
FEHB continuation in retirement and how it interacts with Medicare Parts A and B
FEGLI reduction schedules after age 65 and the options available at retirement
TSP RMD rules, withdrawal strategies, and the differences from private-sector 401(k) plans
Special category provisions for Law Enforcement Officers, Firefighters, and Air Traffic Controllers
For financial advisors
Add the federal niche. Differentiate your practice.
Federal employees are the ideal advisory client — stable income, high savings rate, and multiple complex decisions that require professional guidance. Learn how to serve them.
For insurance professionals
Federal employees are underinsured. You can fix that.
FEGLI Option B is expensive and shrinks at retirement. Most federal employees don't know there's a better option. You can be the professional who shows them.
Ready to close the gap?
Start with a course. Build a practice. Serve the clients no one else is equipped to help.