Government Employee Retirement Planning
Your benefits are
more powerful than you think. Federal & Government Employee Retirement Planning — Canandaigua, NY
Federal and state employees have access to some of the strongest retirement benefits available. We help you understand them, coordinate them, and build a retirement plan around them right here in the Finger Lakes.
"You've spent years building your benefits we help make sure they work just as hard in retirement."
How We Help
Guidance built around your career
Federal and government employees have a unique set of retirement benefits a FERS pension, the Thrift Savings Plan (TSP), and Social Security each with their own rules, timelines, and strategies. Our Canandaigua based team helps you understand how they fit together and builds a retirement income plan that makes the most of everything you've earned.
Pension & Annuity Planning
Your defined benefit pension is the cornerstone of your retirement. We help you understand your benefit, plan around it, and make informed decisions about survivor options and timing.
TSP Strategy
The Thrift Savings Plan is one of the best retirement savings vehicles available anywhere. We help you make smart decisions about contributions, fund selection, and what to do with your TSP when you retire.
Retirement Income Coordination
Pension, TSP, and Social Security each have different timing and tax implications. We help you pull them together into a cohesive income strategy designed for the long term.
Our Focus
Every piece of your retirement picture
Federal employee retirement planning goes beyond your pension. From TSP investment strategy and FERS survivor benefits to Social Security timing and tax-efficient income planning, we help government employees across the Finger Lakes region see the full picture and act on it.
Pension & FERS/CSRS
Understand how your defined benefit is calculated and how to make the most of it at retirement.
Thrift Savings Plan
From contribution strategy to withdrawal planning, we help you get the most from your TSP.
Social Security Timing
When you claim matters. We help you choose a strategy that fits your income needs and longevity.
Health & Life Benefits
FEHB and FEGLI continue into retirement we help you understand your options and what makes sense.
Tax Planning
Pension income, TSP withdrawals, and Social Security can add up quickly. We help you plan ahead.
Legacy & Estate Planning
Survivor benefit elections, beneficiary designations, and estate strategy all coordinated in one place.
The Sheppard Mosher Difference
Straightforward advice from people who care
Independent and fiduciary
We're not tied to any product or company. Our advice is guided by what's best for you.
Local and accessible
Based in Canandaigua and serving the Finger Lakes region since 2005. We're neighbors, not a call center.
Plain language, always
Government benefits are complex. We make sure you understand how your benefits work together.
One team, one relationship
You'll work with a dedicated team that knows your full picture people you can actually reach when you need them.
A government career comes with benefits worth protecting. We make sure retirement is the reward it was meant to be.
— Sheppard Mosher
Get Started
Ready to plan your federal retirement?
Serving government employees in Canandaigua, Rochester, and throughout the Finger Lakes region. Schedule your complimentary 30-minute introductory call today.