Benefit Specialists of America

04/06/2026

Discover How to Maximize Your Federal Retirement benefits.

The Federal Employees Retirement System (FERS) provides retirement, disability, and survivor benefits for U.S. federal employees. If you are part of FERS, your retirement income will come from three main sources: your FERS Basic Benefit Plan (a pension), Social Security, and the Thrift Savings Plan....

04/03/2026

Government employees… how much money you have for retirement?

We help federal workers, including active duty military and veterans, VA workers, and other government employees maximize their retirement.

Our team are experts in FERS, Thrift Savings Plans, and Social Security. We will put together a comprehensive report showing how much money you are expected to receive in retirement and how you can increase your retirement savings.

03/27/2026

Understand Indexed Annuities: Working, Benefits, and Drawbacks.

Indexed annuities—also known as fixed indexed annuities—are a type of insurance product that offers a unique blend of growth potential and principal protection. They are designed to provide retirees and other conservative investors with the opportunity to earn returns based on the performance of...

03/24/2026

Learn how to maximize your federal benefits.

The Federal Employees Retirement System (FERS) provides retirement, disability, and survivor benefits for U.S. federal employees. If you are part of FERS, your retirement income will come from three main sources: your FERS Basic Benefit Plan (a pension), Social Security, and the Thrift Savings Plan....

03/19/2026

Government employees… do you know how much money you have for retirement?

Retirement planning can be difficult. Many people don’t know how much money they will have for retirement.

That’s where Benefit Specialists of America comes in.
We help federal workers, including active duty military and veterans, VA workers, and other government employees get the most out of their retirement.

Our team are experts in FERS, Thrift Savjngs Plans and Social Security. We will put together a comprehensive report showing how much money you are expected to receive at retirement and how you can increase your retirement savings.

Benefit Specialists of America provides retirement planning services for federal workers nationwide.

03/17/2026

Learn how Social Security benefits work, qualification requirements, and strategies to maximize your benefits.

Social Security is a cornerstone of retirement planning in the United States, providing financial support to millions of retirees, disabled individuals, and survivors of deceased workers. While it was never intended to be the sole source of income in retirement, it plays a vital role in the overall....

03/14/2026

Planning for retirement can be overwhelming due to varied personal factors, but general guidelines can help estimate your savings goal with confidence.

Planning for retirement can feel overwhelming, especially when it comes to figuring out how much money you’ll actually need. The answer varies from person to person, depending on lifestyle, expected retirement age, health, and other personal factors. However, there are general guidelines and strat...

03/12/2026

Saving for retirement is one of the most important steps toward long-term financial security. One key to successful retirement planning is choosing the right type of retirement account. The U.S. tax code offers several retirement savings vehicles—each with different rules, tax advantages, and contribution limits.

Saving for retirement is one of the most important steps toward long-term financial security. One key to successful retirement planning is choosing the right type of retirement account. The U.S. tax code offers several retirement savings vehicles—each with different rules, tax advantages, and cont...

03/11/2026

VIDEO: Generating Lifelong Income through Indexed Annuities

One of the biggest concerns retirees face is outliving their savings. Market fluctuations, inflation, and unexpected expenses can erode even the best-laid retirement plans. Indexed annuities offer a solution: a way to generate lifelong income while preserving your principal and capturing some market...

03/10/2026

The Federal Employees’ Group Life Insurance (FEGLI) program is the largest group life insurance program for federal employees in the United States. It provides valuable financial protection for federal workers and their families with affordable coverage options and convenient payroll deductions.

FEGLI typically includes Basic Life Insurance, which is partially paid by the federal government, as well as Optional coverage plans that allow employees to increase their life insurance protection based on their needs. Understanding your FEGLI benefits, coverage levels, and retirement options is an important part of long-term financial and retirement planning for federal employees.

If you have questions about FEGLI coverage, federal employee benefits, or retirement planning, professional guidance can help you make the most of your federal benefits package.

📞 Call: 1 (866) 309-1319

03/07/2026

Many federal employees and government retirees are surprised to learn how the Government Pension Offset (GPO) can affect their Social Security benefits. The GPO is a rule that may reduce or even eliminate Social Security spousal or survivor benefits if you also receive a government pension from work not covered by Social Security.

In most cases, the Government Pension Offset reduces Social Security spousal or survivor benefits by two-thirds of your government pension. Understanding how this rule works is critical for federal workers planning their retirement income strategy alongside FERS, CSRS, Social Security, and the Thrift Savings Plan (TSP).

If you’re a federal employee, retired government worker, or the spouse of one, learning how the GPO could impact your retirement benefits can help you avoid costly surprises.

📞 Call: 1 (866) 309-1319