Financial Planning for Federal Employees

08 Oct 2025 By Fran Goldman Alliance of Comprehensive Planners, Inc.

The Federal government is the largest employer in the country.  Given the current situation with increasing uncertainty for Federal employees, it is increasingly important for financial planners to understand the unique structures that govern the Federal workplace.  How are wages determined?  What benefits are available to Federal employees?  What is similar to private sector employees and what is different?  What are the particular decisions that need to be made when Federal employees leave the government or retire?  And what do all those acronyms mean -- TSP?  FEGLI?  FEHB?  CSRS?  FERS?

 

Learning Objectives:

1.) Identify the unique financial planning challenges and opportunities for Federal employees.
2.) Compare and contrast wages and benefits of Federal employees and private sector workers.
3.) Provide information so financial advisors can develop optimal investment, tax planning, and retirement strategies for clients in the Federal workforce.

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