Helping Federal Employees Make the Most of Their Benefits
You’ve worked hard serving the American public. Now it’s time to make sure your Thrift Savings Plan (TSP) and federal benefits work just as hard for you.
Important: Anchor Financial Advisors is an independent firm and is not affiliated with, endorsed by, or sponsored by the U.S. government, any federal agency, or the Thrift Savings Plan.
Your Benefits Are Powerful — and Complex
Federal benefits are powerful—but they can also be confusing. Between TSP, FERS or CSRS, pension options, FEGLI, survivor benefits, and Social Security coordination, it’s easy to feel overwhelmed or worry about making a costly mistake.
We help you:
- Understand how your TSP fits with your pension and Social Security
- Choose investment options aligned with your risk tolerance and time horizon
- Decide when and how to retire based on your actual numbers
- Avoid common pitfalls with withdrawals, rollovers, and required minimum distributions (RMDs)
- Coordinate benefits for your spouse and loved ones
You don’t have to figure it all out alone.
What Is the Thrift Savings Plan (TSP)?
The TSP is the federal government’s version of a 401(k) plan. It’s one of your most important tools for building retirement income—and small decisions today can have a big impact on your future.
We help you understand:
Our goal is to turn confusing, technical language into simple, confident decisions.
More Than Investments — Advocacy for Your Entire Benefits Picture
We don’t just “talk investments.” We advocate for you as a federal employee or retiree, helping you navigate the entire benefits landscape.
- FERS or CSRS pension estimates
- TSP contributions and investment mix
- FEGLI life insurance coverage
- Survivor benefit options
- Sick leave and service time considerations
- When can I retire with confidence?
- How do I coordinate my TSP, pension, and Social Security?
- Should I keep my money in the TSP, roll it over, or blend strategies?
- What happens if I retire early, change agencies, or go private sector?
We also provide ongoing support with:
- Annual benefit and TSP checkups
- Adjusting your strategy as laws, markets, and life circumstances change
- Answering your questions as they arise—not just at retirement time
Common Questions We Help Federal Employees Answer
Many of our federal clients come to us asking:
- “Am I on track to retire at [age X] with the income I want?”
- “Is my TSP investment mix too aggressive or too conservative?”
- “What’s the best way to use my Roth vs. Traditional TSP?”
- “What are my options for TSP withdrawals when I retire?”
- “How do I protect my spouse if something happens to me?”
- “Should I keep FEGLI, replace it, or use another strategy?”
If you’re asking yourself similar questions, that’s exactly what we’re here for.
Simple, Clear, and Centered Around You
We keep things straightforward and focused on your life, not just your numbers.
We learn about your career, federal service, family, goals, and concerns. No pressure, no sales pitch—just a conversation.
We review your TSP statements, pension estimates, leave information, and other benefits to create a clear picture of where you stand.
We build a practical, easy-to-understand plan that covers your TSP investment strategy, retirement income plan, tax-awareness strategies, and survivor/legacy planning.
We help you put the plan into action and serve as your advocate, answering questions and adjusting your plan as your life and career evolve.
Federal Employees at Every Stage of the Journey
We work with:
- Active federal employees planning ahead for retirement
- Federal employees within 5–10 years of retirement
- Retired federal employees looking to manage income and withdrawals
- Spouses and families of federal employees
- Federal workers changing careers or leaving government service
Whether you’re just getting serious about your TSP or you’re trying to finalize your retirement date, we can help.
Why Work With a Federal Employee–Focused Advisor?
Not all financial professionals understand how federal benefits actually work. We focus on the unique needs of federal employees so you get:
- Advice tailored to TSP, FERS/CSRS, FEGLI, and federal rules
- A comprehensive look at all your benefits—not just your investments
- Clear explanations without jargon
- A partner who understands your service and respects your career
You’ve spent your career serving others. Let us help make sure your benefits and TSP serve you.
Ready to Talk About Your TSP and Federal Benefits?
A conversation today can help you avoid confusion, stress, and missed opportunities down the road. Let’s start with a complimentary Federal Benefits & TSP Review.
- Review your TSP allocation and contribution strategy
- Clarify your pension, Social Security, and income options
- Ask questions in a relaxed, no-pressure setting
Meet Brian Swerdlow
Brian Swerdlow is the founder and CEO of Anchor Financial Advisors, LLC, a Chicagoland planning firm.
Brian works closely with his clients and their families to maximize their retirement income and Social Security benefits and ensure every dollar they have saved does the work of three or four dollars. Brian is passionate about keeping retirees’ and pre-retirees’ money safe while helping them create income streams that they won’t outlive.
In these crazy times, Brian believes that exposing your money to endless risk and market volatility simply doesn’t make sense—neither does paying more in taxes than is legally necessary.
Brian Swerdlow offers complimentary planning sessions to assist individuals, business owners, and entrepreneurs in achieving their unique goals. If you are someone who desires clarity and purpose when it comes to planning a financial future, then you should reach out to Brian and set up a time for your wealth consultation.