It depends on leave balances, annuity start timing, COLA rules, and benefit coordination. We compare a few dates and quantify tradeoffs.

Generally based on your high‑3 average pay and creditable service, with special rules for certain employees. We verify service and stress-test scenarios.

Often yes (the 5‑year test) with limited exceptions. We confirm eligibility and timing so you don’t risk losing FEHB.

Typically yes during Open Season and with qualifying events. We align plan choice with expected utilization and Medicare decisions.

It depends on plan design, premiums, providers, and risk tolerance. We model total cost and coverage tradeoffs.

FEGLI can often continue, but reductions and premium options matter. We compare Basic choices and any optional coverage.

Elections affect your pension and your spouse’s future benefit. The right choice depends on household income, insurance, and goals.

Both involve leaving before an immediate annuity. Rules and FEHB implications can differ. We map eligibility windows and healthcare impact.

There are age and separation rules that can avoid the 10% penalty, but implementation matters. We build a plan that fits your timeline.

Quick guidance here –  then, in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.

Quick guidance here -then in a consultation, we apply the rules to your exact service history, benefits, and goals.