Financial Guidance for Federal Employees
Get the clarity you need about your financial future.
If you’re affected by the deferred resignation program currently on offer, you likely have several questions:
- Can I afford to retire?
- What are my options if I choose not to accept the offer?
- How will my immediate choices impact my long-term financial goals?
We’re offering all federal employees a complimentary consultation with our team to help you work toward answers.
In this meeting, you can expect an outline of key factors to help you determine if taking the deferred resignation option is right for you & your retirement goals.
We are here to help:
Schedule a complimentary 30-minute financial consultation with a member of our team or call 888.920.1320.
Planning for our Federal Worker clients typically covers three areas
Cash Flow Projections
Our goal is to help ensure your day-to-day lifestyle isn’t disrupted in the short-term or long-term, regardless of when you decide to retire from the public sector.
Federal Employee Retirement System
We can advise on the decisions you’ll need to make upon retiring from the public sector, including how and when to claim your pension, elect survivor benefits, maintain insurance coverage, and more.
Advising on Your Thrift Savings Plan
Many clients are interested in rolling over their TSP assets to an IRA or converting to a Roth IRA. We can model these options for you and determine if it’s in your best interests.
What Should I Know About Mercer Advisors?
A Hand-Picked Advisor
that Understands Your Situation
Your advisor – and the team supporting them – will have deep knowledge of the Federal Employee Retirement System and the complexity that comes with it, to help ensure you’re getting up-to-date advice on how to maximize your wealth.
An Institutional-Grade Portfolio, Personalized for You
We offer broad access to a range of global asset classes, managers and vehicles to help diversify your portfolio – all for lower costs and minimums than is typically available to retail investors – and we’ll provide team-based oversight to help ensure your portfolio stays on track toward your specific goals.
Fully Independent,
National Fiduciary
We are a fully independent, national fiduciary. As a fiduciary, we are obligated to act and provide advice that is always in your best interest. And 37% of our employees are also owners of our firm, so we are focused on doing the right things in the long term.
Unified Team, Anchored by
a Dedicated Advisor
Your team will be anchored by a financial advisor working with financial planners, investment managers, tax accountants, and estate planning specialists who will connect the dots of your financial life.
FAQs: Federal Government Employees – Deferred Resignation Buyout Program & Retirement Readiness
I wasn’t expecting to retire this year, but I’m reconsidering my options. Can you help me determine if I’m ready to retire, or if I should I get another job?
- Yes, we can do scenario planning to determine what your financial path may look like if you accept the deferred resignation package, including retirement age(s) for you and your spouse, your current savings and investments, expected time horizon, Social Security/pension payouts, and more.
- We can also help you determine how your government benefits may be affected by transitioning to the private sector, should you opt to stay in the workforce but outside of the federal government.
Is there any reason why I shouldn’t accept the deferred resignation buyout package?
- There may be several reasons not to accept the deferred resignation offer, especially if you believe that your position ultimately will not be eliminated. It’s in your best interests to weigh the potential financial implications of this short-term decision.
- We help our clients by modeling various scenarios that determine how your overall financial health may be affected, both in the short term: immediate cash flow, benefits, healthcare and other insurance coverage, as well as long-term: cash flow projections relating to the Federal Employee Retirement System (FERs), pension payout options, and Social Security, among others:
- How may your financial health be affected if you decline the deferred resignation package and your position is eliminated 3-6 months from now? What happens if it’s never eliminated?
- On the flip side, what does your financial health look like if you accept the deferred resignation package and get a new job within 1-2 months? If you get a new job in 6-8 months?
What decisions do I need to make when I retire from the federal government?
- When federal government employees retire, they generally must make a series of decisions regarding ongoing benefits:
- When and how should I take my pension option?
- What should I consider regarding the surviving spouse benefit?
- Should I continue with government-provided health, life, and/or long-term care insurance?
- How does Medicare work with the federal employee healthcare program?
- Should I keep my retirement savings in my TSP, or should I roll them over to an IRA?
- We help our federal employee clients through the implications of these important decisions, including filling in gaps that the National Institute for Transition Planning doesn’t specifically cover.
Let our experience
benefit you
Schedule a complementary financial planning session with one of our advisors today.
Mercer Advisors. A fully independent, national fiduciary.
Company data as of December 31, 2024. Client Assets refers to client assets under management (AUM) and client asset under advisement (AUA) by both Mercer Global Advisors Inc. and Regis Acquisition Inc. Client Assets includes assets gained from recent acquisitions where the advisory agreements have been properly assigned to Mercer Global Advisors, but the custodial accounts have yet to be transferred and/or the accounts have yet to be migrated to Mercer Global Advisors’ portfolio management system. Mercer Global Advisors Inc. and Regis Acquisition Inc. are affiliated SEC registered investment advisers and deliver investment advisory and family office related services. Mercer Global Advisors Inc. and Regis Acquisition Inc. are subsidiaries of Mercer Advisors Inc., a parent company not involved with investment services.
Mercer Advisors was ranked #1 for RIA firms with up to $70 billion in assets. The Barron’s top RIA ranking is based on a combination of metrics — including size, growth, service quality, technology, succession planning and others. No fee was paid for participation in the ranking, however, Mercer Advisors has paid a fee to Barron’s to use the ranking in marketing.