RPM Financial Group provides fee-based financial planning and investment management for federal employees in Maryland, Washington, DC, and Northern Virginia. We help you understand your FERS pension, make the most of your Thrift Savings Plan (TSP), plan for health insurance in retirement, and time your retirement with confidence, built around how federal careers actually work, not a generic retirement plan.
Understanding how your annuity is calculated and how your retirement date, age, and years of service change your income.
Choosing how to invest and, later, how to draw down your TSP alongside your pension and other savings.
Planning ahead for FEHB eligibility, including the five-year enrollment rule, so you don't find out too late.
Weighing survivor annuity options so your spouse or family is protected, and understanding the tradeoffs.
Coordinating pension, TSP, Social Security, and other accounts so you keep more of what you've earned.
Beneficiaries, wills, and legacy planning that stay current as your career and family change.
A free, no-obligation conversation to confirm we're a good fit.
A focused session gathering your federal service history, benefits, accounts, and goals.
Built in our planning software, then walked through together.
Revisited as your career, benefits, or family situation changes.
How is a FERS pension calculated?
Under FERS, the basic annuity is generally 1% of your high-3 average pay for each year of service, or 1.1% if you retire at 62 or older with at least 20 years of service. Your high-3 is your highest average basic pay over any three consecutive years. Rules can change, so confirm your numbers with OPM or your agency HR office.
When can I retire under FERS?
It depends on your age and years of service. Common paths include age 62 with 5 years, age 60 with 20 years, or your minimum retirement age (MRA) with 30 years. Retiring at your MRA with at least 10 years of service is possible, but the annuity is generally reduced for each year you are under 62. Your agency HR office can confirm your eligibility.
Will I keep my federal health insurance in retirement?
Generally, to carry FEHB into retirement you must be entitled to an immediate annuity and have been continuously enrolled in FEHB for the five years immediately before your annuity begins. We help you plan for this early. Confirm your situation with your agency HR office.
Do I have to live in the DC area to work with you?
We're based in Rockville, Maryland, and work across the DMV and nationwide. Most meetings are virtual.
Founder & Financial Planner, RPM Financial Group LLC. Ryan founded RPM in 2022 after more than 25 years in financial services, to bring dedicated, individualized planning to federal employees, government contractors, and cybersecurity professionals.
Book a Free Intro Call
If you're approaching retirement, weighing your options, or want a second set of eyes on your FERS, TSP, and benefits, start with a free intro call.
Book a Free CallRPM Financial Group LLC is an investment adviser. Securities offered through LPL Financial, Member FINRA/SIPC.