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Home2026-09-23T06:23:37-04:00

Our Financial Guidance Services

Pick any one of our service options for free.

Thrift Savings Plan (TSP)

Receive personalized guidance on TSP retirement planning to understand plan funds, contribution strategies, investment options, and retirement savings decisions—all tailored to your federal career and financial goals.

TSP Distribution Options

Consult the TSP withdrawal guide to understand partial distributions, full withdrawals, installment payments, and annuity options, taking into account your retirement income needs and financial goals.

Federal Life Insurance

Explore federal life insurance solutions with personalized financial guidance, designed to help you understand coverage options and protect your family’s long-term financial security.

Office Of Personnel Management

Receive guidance on federal benefits to better understand OPM retirement services, federal employee benefits, and important information that could influence your retirement planning decisions.

Power Banking Concept

Discover how properly structured life insurance strategies can support cash flow management, offer potential tax advantages, foster wealth accumulation, and help achieve long-term financial goals through personalized financial advice.

Calculate Your Retirement

Estimate your potential retirement income and savings needs while exploring retirement options for federal employees, taking into account your age, income, contributions, service history, and planned retirement timeframe.

Federal Disability Retirement

Understand the key aspects of disability retirement under the FERS and CSRS systems with federal retirement guidance designed to help you learn about eligibility requirements, OPM procedures, and important retirement-related decisions.

Workers’ Compensation

Learn about federal workers’ compensation benefits with the Federal Benefit Guidance guide, which covers the OWCP, FECA claims, documentation, workplace injuries, and important considerations for protecting the benefits to which you are entitled.

Family & Medical Leave Act (FMLA)

Understand FMLA protections and their potential impact on your career and federal benefits through personalized financial guidance for federal employees, focused on informed planning for unexpected life events.

Rollover For Me

Learn about the different ways to transfer your TSP account to a traditional or Roth IRA. Find out how to avoid taxes when making withdrawals.

Annuities

Secure your retirement with guaranteed lifetime income through annuities, which offer tax-deferred growth, stability, and protection against market risks.

Everything You Need

Right in Your Pocket.

Exclusively for federal employees — track your benefits, plan your retirement, and stay informed. All in one secure app.

  • Smart Planning Built for Federal Employees

    Plan confidently with tools built to help you understand your years of service, retirement timeline, and benefit options.

  • Clarity on Complex Federal Benefits

    Access insights, workshops, and resources that simplify TSP strategies and federal retirement planning.

Top Featured Event

Exclusively For Federal Workers Across Puerto Rico & USA
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Two day's of clear, unhurried education on FERS, CSRS, TSP and Social Security built for federal families in Puerto Rico and beyond. Free to attend. Nothing sold from the stage.

The Clock Is Ticking:
HURRY UP
FREE BREAKFAST & LUNCH
TSP INVESTMENT STRATEGY FERS SUPPLEMENT FEHB COORDINATION RETIREMENT TIMING
REGISTER NOW FOR FREE →
Featured Event Image
24
October, 2026
Saturday
TRYP by Wyndham
4820 Isla Verde. Ave Carolina, 00979
25
October, 2026
Sunday
Hilton Ponce Golf & Casino Resort
1150 Av. Caribe, Ponce, 00716, Puerto Rico
Organized By PWR Retirement Group

Union Members Workshop

  • Sep 25 @ 9:00 am

    Get the Most Out of Your Retirement by Starting Today

    AFGE Local 558, in collaboration with PWR Retirement Group, invites federal workers to attend a two-day educational retirement workshop designed to...

  • Oct 1 @ 6:30 pm

    Retirement Process 101: Learn the Fundamentals of Federal Retirement

    Preparing for federal retirement requires more than choosing when to leave government service. Employees must understand the application process, meet important...

  • Oct 7 @ 10:00 am

    Understand Your Benefits. Strengthen Your Financial Future.

    Your workplace benefits are valuable—but understanding how they fit into your financial future can feel complicated. Join AFGE Local 2779 for...

Ready to See What Your Retirement Actually Looks Like?

Take 5 minutes today. Walk away with clarity on where you stand and what comes next.

Federal Disability & Compensation

TSP Share Prices

Fund G Fund F Fund C Fund S Fund I Fund

The Lifecycle(L) Fund

Fund L INC L 2025 L 2030 L 2035 L 2040
Fund L 2045 L 2050 L 2055 L 2060 L 2065
Reference from : https://www.tsptalk.com/tsp_share_prices.php#gsc.tab=0

Simplify & Secure Your Savings with Our MDRT-Recognized Retirement Experts!

PWR Retirement Group, recognized by the Million Dollar Round Table (MDRT) for excellence, guides over a thousand satisfied federal employees. Our MDRT-recognized advisors create a financial roadmap tailored to your retirement goals.

Talk to a PWR Advisor
Calculate Retirement

News & Insights

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Grow Your Future While Helping Others Secure Theirs

Join PWR Retirement Group and grow your career with the mentorship, tools, and support needed to make a meaningful impact.

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Be a part of our financial journey with informative videos, live discussions, the latest trends, and exclusive news with PWR Retirement Group. We take pride in our consultation to help federal employees maximize their retirement benefits.

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Plan A Better Tomorrow Systematically

Manage Your Wealth

Track your funds, create a portfolio, invest strategically, consider tax-efficient strategies, and protect your wealth with personalized Financial Guide.

Grow Your Savings

Compare the right investment funds with diverse tax benefits. Match and maximize your contributions each term. Invest strategically for high returns.

Consult With A Trusted Advisor

Get a reliable financial companion at every step of your federal employment investment and insurance decisions

Secure Your Outcomes

Our commitment goes beyond helping you reach retirement milestones. We provide ongoing Financial Guidance designed to help you prepare for a more confident, financially secure future.

FAQ’s

Frequently asked questions

Follow these steps to find the best retirement consultant for federal employees in the USA and Puerto Rico – 

  • Check financial consultation listing websites 
  • Scroll through social media platforms 
  • List your requirements on financial Consultation websites 
  • Get recommendations from online reviews 

TSP distribution or withdrawal happens in 4 different methods. 

  1. Partial Distribution – Minimum withdrawal requirements may apply based on current Thrift Savings Plan rules. Please refer to official guidelines for up-to-date limits.
  2. Complete Distribution – Withdrawing the entire amount present in the TSP account. 
  3. Annuity Purchase – Purchase annuities with TSP funds for lifetime coverage. This is a one-time payment for annuities where the federal employee gets monthly payments for their lifetime.
  4. Installments – A monthly, quarterly, or half-yearly plan to withdraw money from the TSP account. Our TSP Withdrawal Guidance can help you understand the potential considerations associated with these distribution choices.

Different TSP rollover methods are –

    1. In-Kind Transfer – This type of transfer is applicable for switching your investments from one employer to another without any tax penalties. 
    2. Set Up IRAs Before Rollover – Choose the type of IRA account and appoint beneficiaries before rolling over a TSP account. Your employer can directly transfer funds to the new account or offer a cheque to deposit into the new employer’s plan.  
    3. Liquidation of Individual Funds – Closing down different types of TSP funds and liquidating the amount to invest in the rollover account. 

The 2 Types of Rollover are –  

  1. Direct Rollover – Broker to Broker
  2. Indirect Rollover – TSP to person

A retirement consultant maximizes your savings and strengthens your investment portfolio to help you achieve your aim. Specific responsibilities include – 

  • Help explore the rules, benefits, and limitations of the Federal Employee Retirement System and Civil Service Retirement System plans 
  • Smart investment into the best TSP funds 
  • Assess the profit and returns on each TSP fund type 
  • Navigate the plans and benefits of the Federal Employees Group Life Insurance plan 
  • Identifying a pre-tax or post-tax investment plan for your retirement 
  • Compare the benefits of different savings plans 
  • Lower the tax deductions from pension and savingsProfessional Federal Retirement Guidance can help federal employees approach these decisions with greater clarity.

FEGLI (Federal Employees’ Group Life Insurance) is a group term life insurance program provided to eligible federal employees. It is designed to offer financial protection by paying a death benefit to designated beneficiaries in the event of the insured person’s death while the policy is active. It helps support families with financial security during difficult times.

FEGLI does not accumulate cash value or function as an investment. Coverage remains active only while eligibility requirements are met and required premiums are continuously paid.

Federal employees get 6 types of TSP fund options for investment. These are – 

  1. TSP C Fund – Common stock index S&P500 investments 
  2. TSP S Fund – Small-cap stock index investments
  3. TSP I Fund – Large international companies in developed markets in Europe, Asia, and the Pacific.
  4. TSP F Fund – Bonds investments 
  5. TSP G Fund – Government securities funds
  6. TSP L Fund – A combination of the above 5 types of investment funds. Understanding these funds can be an important part of your overall Financial Guidance and retirement planning strategy.

Some of the noteworthy plans to achieve your retirement milestones are – 

  1. Federal Employees Group Life Insurance – This is the biggest life insurance program offered by the US Federal Government applicable to federal employees only. 
  2. Thrift Savings Plan – A FERS-based retirement savings plan with several types of funds and income benefits. 
  3. Social Security Benefits – A retirement program that compensates with income and disability benefits to federal employees more than 62 years old. 
  4. Federal Employees Health Benefits – Healthcare compensation plan for federal employees and their families.

The best age to withdraw money from the TSP account is after 59 and a half years. 

Also, if you have reached the age of 73 years, it is mandatory to withdraw the required minimum distributions from the TSP account. Failure to withdraw money from this account after a certain age results in penalties. 

Similarly, withdrawing money from the TSP account before the age of 59 and a half years also levies tax penalties. 

Partnership with us

“TSP ORIENTATION FREE FROM FEDERAL ENTITIES”

WE ARE NOT ASSOCIATED WITH ANY FEDERAL ORGANIZATION

PWR Retirement Group, formerly known as PSR Assurance, has rebranded to reflect its expanded focus on retirement planning services.

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Disclaimer: The information provided on this website and mobile application is for general educational and informational purposes only and does not constitute financial, investment, tax, legal, or retirement advice. PWR Retirement Group is an independent organization and is not affiliated with, endorsed by, or acting on behalf of any labor union, government agency, or employer. Users should consult an appropriately licensed financial professional, tax professional, or attorney regarding their individual circumstances before making financial, tax, legal, or retirement-related decisions.

PWR Retirement Group is an independent financial education firm and is not affiliated with, endorsed by, or sponsored by any federal agency, federal organization, government entity, or union.

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