Best Retirement Strategies for Dual Federal Employees

If you and your spouse are both federal employees, your retirement strategy needs to be coordinated — not duplicated.

In this episode, Andrew McNair breaks down the three most important strategies dual FERS and CSRS couples must understand before retiring:

• How to coordinate FEHB between spouses
• Smart Survivor Benefit (SBP) decisions for dual feds
• Social Security timing strategies that protect the surviving spouse
• When to self-insure vs. use SBP
• How taxes change after the first spouse passes
• How to bridge income using your TSP

Many dual fed couples assume they can simply “mirror” each other’s benefits but that mistake can cost thousands in unnecessary taxes, lost income, or survivor shortfalls. If you and your spouse both work for the federal government, this episode will help you protect both pensions, coordinate healthcare, and maximize lifetime income. If you would like a complimentary Federal Benefits Report showing your benefits side by side, schedule your Discovery

If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.