What is the free benefits review?
It is a working conversation about your actual numbers. Your FRC walks through how your FERS or CSRS annuity is figured, what your TSP can and cannot do, how FEHB and FEGLI carry into retirement, and which dates and elections matter for you. You leave knowing where your real decisions are.
- Your pension. How your high-3, years of service and retirement age combine, and what the survivor election would cost.
- Your TSP. Contributions, the agency match, fund choices and the withdrawal options at separation.
- Your insurance. Keeping FEHB, the Medicare question at 65, and FEGLI costs after you retire.
- Your timing. Your minimum retirement age, your best dates, and what a RIF, VERA or VSIP offer would change.
Free 1:1 review
Want this done on your own numbers?
Pick a day and time. A Federal Retirement Consultant (FRC) walks through your pension, TSP and insurance with you, at no cost.
What the review is not
It is not advice from the government, and it is not a commitment. FRC holders are independent professionals, not OPM, not your HR office and not part of any agency. FFEBA is an education organization that makes the introduction; FFEBA is not an advisor, broker-dealer, registered investment adviser or insurance agency. A review does not guarantee any outcome.
Who is the FRC?
An FRC is a financial professional who has earned the Federal Retirement Consultant designation, which is issued by FFEBA and listed in FINRA's professional designations database. FINRA lists designations; it does not approve or endorse them.
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Prerequisites
Candidates meet two of three: a bachelor's degree or higher in business, finance or economics, or two years of industry experience, a state insurance license or a qualifying FINRA registration, or a listed credential such as CFP, ChFC, CLU, JD or CPA.
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Coursework
Study across FERS and CSRS, Social Security, the TSP, FEHB and FEGLI.
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Exam
An online, closed-book, proctored final certification exam.
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Upkeep
Six continuing-education credits every year (FINRA, retrieved 2026-10-11) and a background check (federalretirementconsultant.com, retrieved 2026-10-12).
You can verify any FRC by name before you meet.
Book your review
Ready to talk it through with an FRC?
Choose a day and time that suits you. Bring what you have; nothing is required, and the next step afterward is yours to choose.
What should I bring?
Bring what you have; nothing is required. These make the hour go further.
- Your latest SF-50. It shows your retirement plan, service computation date and pay.
- A recent Leave and Earnings Statement. For sick leave hours, pay and FEGLI deductions.
- Your TSP statement. Balance, contribution rate and fund mix.
- Your Social Security statement. From ssa.gov, for the supplement and the age-62 picture.
- Military service records, if you served, and any deposit paperwork.
- Your questions. Write them down. They set the agenda.
Want a head start? Run the FERS pension estimator or read how the FERS annuity is calculated first.
How does booking work?
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Choose a day and time
Monday to Friday, 9:00 am to 6:00 pm Eastern, at least two days out.
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Tell us who you are
Your name, email and phone, so your FRC can confirm the time and send you how to join.
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Meet
A one-on-one conversation on your own numbers. Afterward, the next step is yours to choose, including no next step.
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