Resources to help guide smarter financial decision-making

Federal & Postal Employees

Learn more about your Federal Benefits

Thrift Savings Plan (TSP)

While most employees are familiar with TSP, they don't have a complete understanding of its role in their retirement. With each employee, there are different factors that go into how much you should contribute to your TSP and to which funds you should allocate your contributions. Below are a few of the areas where we assist employees with their TSP:

  • Explain the funds and help you decide which funds are best for you.
  • Help you understand how the money can be used in retirement, without the worry of running out of money.
  • Help you understand ALL your options and not just the ones the Federal Government or Postal Service gives you. For the majority of employees, it is NOT in their best interest to leave their money in TSP in retirement.
  • Help you protect your heirs. Some of the Government options will involve disinheriting your children in the event of the Federal or Postal employee’s and spouse's death. Employees make this choice every day when they rely solely on the Federal Agency or Postal Service options.
  • We assist employees with understanding their TSP options and explaining where there is NO risk of losing money.
Download Important Forms

Federal Forms

Application to make Deposit or Redeposit for your Retirement System: FERS employees must fill out SF 3108 09/28/2012 and CSRS employees must fill out SF 2803 09/28/2012.  In addition, you must fill out Form RI 20-97.  Find your appropriate DFAS office at the following website: Mail your RI 20-97 [with your DD214] to the appropriate address/fax number. For more information about how buying your time back may help you in retirement, contact us today.

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American Federal Benefits Consultants is an independent organization not a government agency or affiliated with the federal government or any state government. *The terms CSRS, FERS, FEGLI, and FEHB are all registered trademarks of the U. S. Office of Personnel Management. American Federal Benefits Consultants, agents, consultants, or any independent contractors does not provide tax, legal, or investment advice and does not engage in the solicitation or sale of securities.