Most Federal Employees Leave Money on the Table
Federal retirement is complex. Small errors compound over decades. The difference between a good plan and a great one often comes down to catching what others miss.
Many federal employees are paying thousands in unnecessary FEGLI premiums — especially Option B, which can spike dramatically after age 50. A proper analysis often reveals significant savings without sacrificing coverage.
Defaulting to the G Fund or ignoring the Roth TSP option could cost you hundreds of thousands in long-term growth. Most federal employees never receive proper TSP guidance.
Claiming Social Security at the wrong age — or without coordinating your FERS pension and TSP withdrawals — can permanently reduce your monthly income for the rest of your life.
Small errors in your FERS seniority calculation, survivor benefit elections, or FEHB supplement planning can cost you thousands permanently. These decisions often can't be undone after retirement.
Comprehensive Federal Benefits Optimization — Built Around Your Unique Situation
From your FERS pension to your TSP, Social Security, and estate plan — every piece of your retirement puzzle works together. We make sure you're maximizing all of it.
FERS/CSRS pension calculation, seniority verification, special provisions, and retirement date optimization.
Fund allocation, withdrawal strategies, Traditional vs. Roth analysis, RMD planning, and loan impact analysis.
Coverage analysis, premium comparison, private alternatives, and post-retirement reduction strategy.
Timing optimization, pension coordination, and maximizing lifetime income under the Social Security Fairness Act.
Spousal protection analysis, survivor benefit election optimization, and life insurance coordination.
FEHB/Medicare coordination, IRMAA planning, ACA options for early retirees, and ECHRA strategies.
You've Spent a Career Serving. We've Spent Ours Earning the Right to Guide You.
Choosing a financial advisor is one of the most important decisions you'll make before retirement. Every credential we hold exists for one reason — to protect you.
Specialized certification in FERS, CSRS, TSP, FEGLI, and federal survivor benefits. Only advisors with this designation have completed rigorous federal benefits training and passed comprehensive examinations.
Expert certification in Social Security claiming strategies, WEP/GPO calculations (now repealed under the Fairness Act), and how Social Security integrates with your FERS pension and TSP.
Legally obligated to put your interests first — always. No conflicts of interest. No hidden commissions. As a fiduciary-minded advisor, we're bound by law to recommend what's right for you — not what earns us the most.
Advanced financial planning software that creates visual, interactive projections of your entire retirement — updated in real time as your life and federal benefits change. See your plan, not just a spreadsheet.
From Confusion to Confidence in Three Simple Steps
No high-pressure sales. No confusing jargon. Just a clear path to maximizing your federal benefits and retiring with confidence.
We start with a comprehensive review of your TSP, FERS pension, Social Security, and any other income sources. You'll see exactly where you stand and what opportunities exist — before you make any decisions.
Using Retirement Advisor Pro planning software, we build a visual, interactive projection of your retirement — showing exactly how your FERS pension, TSP, Social Security, and other income sources work together.
We help you implement the plan — TSP adjustments, benefit elections, insurance decisions — and provide ongoing support as your life and federal benefits change. Your plan grows with you.
See Your Complete Federal Retirement Picture — Free
No vague promises. No generic projections. Just a visual, interactive picture of your retirement you can actually understand — before you ever speak with an advisor.
Explore Free CalculatorsSee How We've Helped Federal Employees Retire With Confidence
Here's what federal employees say after working with Octus Financial.
I discovered I was leaving $180,000 on the table with my TSP allocation. After the analysis, Octus showed me exactly what to change. The plan paid for itself immediately.
My FEGLI was costing me $3,400 a month — money I didn't need to spend. After the optimization, I cut that in half without losing coverage. I wish I'd done this years ago.
Understanding my Social Security strategy saved me $47,000 over my lifetime. The kind of detail that matters. I didn't know what I didn't know until this analysis.
Meet the Federal Retirement Specialist Behind Your Plan
Hi, I'm Mia Smith. As a certified Federal Retirement Consultant and National Social Security Advisor, I've spent my career mastering one thing: helping federal employees maximize their FERS pension, TSP, FEGLI, and Social Security. I'm not a generalist who dabbles in federal retirement — this is all I do.
I hold graduate degrees in Business Management and IT Management, with additional training in HR and Finance. But what really drives me is the work itself. I conduct workshops, build relationships with federal employees across the country, and show up for people who deserve a plan that actually works.
As a fiduciary-minded advisor, I'm legally required to put your interests first — always. I'm licensed in 48 states and work virtually with federal employees nationwide. Whether you're 10 years from retirement or already collecting your FERS annuity, my job is to make sure you're maximizing every benefit you've earned.
Learn More About My Background
Download Your Free Military Buyback Guide
The complete step-by-step guide federal employees with military service use to understand their deposit cost, calculate their pension increase, and determine if a military buyback makes financial sense for their situation.