Federal Employee Financial Planning

As a federal employee, your benefits are unique—and so are your financial needs.

Whether you're early in your career, approaching retirement, or somewhere in between, understanding how to make the most of your federal benefits is essential. That’s where Harkins Wealth Management can help.

At our firm, you'll have team of experienced professionals and fee-only fiduciary planners that specialize in working with federal employees across agencies—civilian and uniformed—to help them build financial independence with clarity, strategy, and confidence.

FERS & CERS Retirement System

Understanding how your pension is calculated, how long you need to work to qualify, and how survivor benefits work can be tricky. We help you determine your Minimum Retirement Age (MRA) and how early retirement might impact your pension

Thrift Savings Plan (TSP)

Know your investment options, withdrawal strategies, and Roth vs. Traditional choices. We can help create a withdrawal strategy in retirement to maximize tax efficiency and income

FEGLI Life Insurance

FEGLI coverage may seem like a set-it-and-forget-it benefit, but many employees pay too much or carry unnecessary coverage into retirement. We can assist you in Understand FEGLI Basic vs. Optional coverage

Federal Employee Health Benefits (FEHB)

Your FEHB coverage can continue into retirement—but only if you meet certain rules. We guide you through insurance eligibility,

Explore Your Financial Planning Possibilities

Let’s make your benefits work for you. Schedule a free 60-minute consultation to see how we can help you maximize your federal retirement that is unique to you.

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