The Federal Retirement Group

Are you accidentally leaving federal retirement money on the table?

Federal retirement benefits are incredibly unique—and far more complex than anything found in the private sector. Unfortunately, working with a financial professional who doesn’t speak "Federal Benefits" can lead to costly planning mistakes and unintended consequences.

Selecting an independent, Federal Focused Retirement Professional is a critical step in building and managing your future. For over three decades, our core mission has been empowering federal employees and their families to achieve true financial independence. Ready to look at your options? All consultations are 100% complimentary.

Discover How to Save More, Keep More, and Retire Smarter (Without Taking More Risk):
https://SmartMoney.Talk/smd/answer/Pete-Connolly

About Pete Connolly & Our Firm

Since 1992, founder Pete Connolly has been dedicated to helping federal employees build wealth, maximize their benefits, and protect their hard-earned assets. As a strictly independent financial services firm, our loyalty belongs exclusively to our clients—not to a parent financial institution. This absolute independence allows us to collaborate with top-tier industry providers, leveraging a wide array of non-proprietary products to build highly customized portfolios tailored to each family's unique goals.

Having served and educated thousands of federal employees across roughly 45 states, Pete has positioned himself as a trusted, go-to national expert for federal retirement planning strategies.   Pete Connolly has been vetted by OPM and Federal Executive Boards to provide FERS and CSRS federal benefits training seminars at federal facilities.

Areas of Specialty

1. Federal Benefits & Pre-Retirement Optimization: We dive deep into the specific systems governing civilian public servants to ensure you transition smoothly into retirement:

• Thrift Savings Plan (TSP): Structuring smart contribution strategies (Traditional vs. Roth), optimizing asset allocation, and navigating modern post-separation rollover options.
• FERS & CSRS Pensions: Accurately calculating your "High-3" average salary formulas, evaluating Minimum Retirement Age (MRA) rules, and tracking the Special Retirement Supplement.
• Insurance Integration: Guiding you on how Federal Employees' Group Life Insurance (FEGLI) and Federal Employees Health Benefits (FEHB) scale in cost and properly integrate with Medicare.

2. Comprehensive Wealth & Asset Protection:  Beyond federal benefits, we provide holistic wealth management to secure your family's broader financial picture:

• Retirement Income Distribution: Designing strategic drawdown methods for your TSP to ensure you never outlive your income.
• Estate & Asset Protection: Reviewing beneficiary designations and working alongside legal and tax professionals to minimize probate exposure and reduce potential estate taxes.
• Risk Management: Auditing existing life and long-term care insurance policies to shield your accumulated wealth from market volatility or unexpected healthcare shocks.
• The Age 59-½ Milestone In-service Referrals:  Once you reach age 59-½, you become eligible for an Age-Based In-Service Withdrawal even if you are still actively employed by the federal government.

Discover How to Save More, Keep More, and Retire Smarter — Without Taking More Risk
https://SmartMoney.Talk/smd/answer/Pete-Connolly

Retirement Video: https://SmartMoney.Talk/n-n-mRJBRX-an8bNY-n.dhN5WglGt9w

Regulatory Disclosure

The Federal Retirement Group and Pete Connolly are independent financial professionals and are NOT affiliated with, endorsed, or sponsored by the U.S. Federal Government or any government agency.