Top Chartered Federal Employee Benefits Consultant Sam Rad

 What is a ChFEBC? There are many types of financial advisors out there, but a Chartered Federal Employee Benefits Consultant is the most highly educated professional that can help you understand and navigate the federal employee benefits world. Sam Rad and his team understand the complex world of the Federal Benefits system including FERS, CSRS, Retirement and Insurance options.  They are here to help you make the best decisions when it comes to getting the most from your benefits.  Consultations are free, so don’t be shy and give them a call.

Your pension decision could be the most important financial decision you will ever make. Choosing the wrong option could cost you and your survivors hundreds-of-thousands over your lifetimes. It is important to understand all of the facts before making an intelligent decision. Believe it or not, there are financial planning techniques which could be used to maximize your pension income.

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A Thrift Savings Plan (TSP) is a government benefit provided to federal employees which allows you to save for your retirement in a tax protected method.  Choosing the right investment options in your TSP could mean the difference between having an abundant retirement or a desperate one.  Here, we analyse your investment options and match them with your particular goals, and then monitor them over time in order to make sure your retirement nestegg is secure and continues to grow.

 

 In-Service withdrawal or rollover: Believe it or not, the IRS allows you to access your TSP account and roll it over to your own IRA account at the age of 59 1/2.  This could be done while you are still employed without triggering any taxes or penalties and has many benefits such as:

 -Protecting your money from taxes when you pass away
-Reducing mandatory expenses related to your TSP plan
-Allowing you to invest in more than just your TSP funds

 

Speak to us so we can help you determine if this is right for you.