Retirement Planning for Federal Employees

Make the Most of the Benefits You’ve Earned

You’ve dedicated your career to public service — now it’s time to maximize your benefits so they work as hard for you as you have. At Silas & Ward, we help federal employees make sense of their retirement options, avoid costly missteps, and move forward with clarity and confidence.

Federal Benefits Are Powerful — But Complex.

If you’re like many federal employees we work with, you’ve spent years contributing to your TSP, building service time, and earning pension benefits. But now, as retirement approaches, you may be wondering:

  • Am I choosing the right date to retire?
  • How do I coordinate my FERS or CSRS pension with my TSP?
  • Should I keep FEGLI or explore other options?
  • What happens with Social Security?
  • Will I lose money if I make the wrong decisions?

You’re not alone. The federal retirement system can be confusing — and there are important details that can impact your income, taxes, and benefits long after you retire.

At Silas & Ward, we specialize in helping federal employees make informed, confident decisions as they transition into retirement.

You’ve Earned These Benefits. Let’s Help You Maximize Them.

With nearly 30 years of experience — and a Federal Retirement Consultant (FRC) on staff — we help guide you through every key step of your retirement.

That's where we come in. We help you:

You’ve done the hard part — now it’s about protecting what you’ve earned and making sure nothing gets left behind.

Understand how your FERS or CSRS pension fits into your income plan

Evaluate your TSP withdrawal options based on your goals

Review your FEGLI coverage and other insurance needs

Coordinate your benefits with Social Security and Medicare

Avoid common mistakes that could reduce your lifetime income

Find a strategy for tax minimization, healthcare, and the unexpected

We’re not just familiar with federal benefits — we specialize in them. Whether you’re planning to retire soon or just starting to think about it, we help you take control of the process and design a strategy that fits your unique needs.

Experienced Guidance for Your Federal Retirement Transition

Here’s what working with Silas & Ward looks like:

A Full Review of Your Federal Benefits
We help you break down what you have — and what it means — in plain language.

A Strategy That Aligns Everything
We guide you through key timing decisions and help you coordinate your pension, TSP, healthcare, and insurance.

A Plan Built Around You
No generic calculators or one-size-fits-all reports. Just personalized, step-by-step guidance designed for your career and your retirement goals.

It’s all part of our S.I.L.A.S. Process™ — a time-tested approach to helping federal employees retire with clarity, confidence, and purpose.

“Federal benefits can be incredibly valuable — if you know how to use them. That’s why we’ve made it our mission to help federal employees retire with a clear understanding of what they’ve earned and how to make the most of it.”

Frederick Griffin FRC

Founder, Silas & Ward Financial Group

Let’s Make Sure Nothing Gets Left Behind

Your federal retirement is too important to leave to guesswork. Let’s design a strategy that brings clarity to your benefits and confidence to your next steps.