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Lyle Henderson
As a vetted expert regarding federal employee retirement benefits, I enjoy working with federal employees and the population at large and help them to understand their retirement benefits. Preparing individuals for financial life before and after retirement, and addressing their questions and concerns are my areas of expertise. I started working with annuity products in […]
MoreJames “Jim” Holm
Our Account Manager, Jim is a former IT professional from the commodities market. He was also a franchisee for a Snap Fitness gym. As a small business owner for over seven years, he understands your small business needs and challenges. Jim has been married for over twenty years, has a son in college and boy/girl […]
MoreTSP Basics
The Thrift Savings Plan is a great benefit designed to help FERS, CSRS and CSRS Offset federal employees save for their retirement. The TSP offers the following to all participants: Tax deferral on contributions A choice of 5 investment funds and additional life cycle funds TSP Loans are available (based on need) In-service withdrawals for […]
MoreServices
Our Federal Retirement Services Federal Counselors offers the following services to federal employees: Free Federal Benefit Analysis Social Security Maximization Retirement Income Mapping We Can Help Create “Safe Money” (funding streams which you and a spouse cannot outlive) If you have any questions on our services, or would like help getting started, please contact us!
MoreForms & Rules
Download Some Helpful Forms 2024-FFS-Premium Rates Employee Data Collection Form Cancel Option B CSRS Offset Rules Court Orders Creditable Service Deferred Retirement FEGLI Handbook 2019 FEHB & Retirement FEHB Medicare Rules FIAs FIAs vs FA Immediate Annuities Life Insurance LTC Tricare and Medicare TSP Basics TSP Handbook
MoreFEGLI
One of the most significant group life insurance programs in the world, the Federal Employee’s Group Life Insurance Program was established in 1954. It covers more than four million federal employees, federal retirees, and many family members. The problems with FEGLI is that FEGLI Option B and Option C rates rise dramatically as participants age […]
MoreMickey Elfenbein-RFC
Mickey Elfenbein and the Armar Insurance Agency, LLC help protect the assets of individuals and small and mid size companies using insurance products. Mr. Elfenbein has over 30 years of senior level experience in a variety of public and private enterprises. Included in this experience is: CEO – Armar Insurance Agency, LLC – providing expertise in […]
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