Retirement Planning Services for Federal Government Employees in Texas

Explore the different retirement benefits, pension plans, and federal investment options from the Federal Employee Retirement System and the Civil Service Retirement System. Secure your income source and get maximum return on investments with guidance from the best financial advisors in Houston, Texas.

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About Us

Take Control of Your Future with Our Financial Advice

Get the best financial planning services for federal employees in Texas with PWR Retirement Group.

With an in-depth understanding of retirement plans, we simplify and manage your savings portfolio for the best returns on investment.

Our consultants reduce your tax burdens while improving the performance of your retirement accounts.

Understand the rules and benefits of multiple programs within the FERS and CSRS plans.

Learn about the Thrift Savings Plan, Federal Employees’ Group Life Insurance, Federal Employees’ Health Benefits, and Social Security Benefits programs for a secure future.

Retirement & Financial Planning Services in Texas

Simplify your federal employment journey with our expert guidance! Request a free consultation with us. 

Thrift Savings Plan (TSP)

Federal employees can build a secure retirement with a Thrift Savings Plan. Check simplified rules, invest in the best funds, and check your retirement calculator.

TSP Distribution Options

Explore the distribution options to withdraw money from your TSP account. Find out if you should choose partial distribution or total distribution based on your retirement objectives.

Federal Life Insurance

Federal Life Insurance offers comprehensive and reliable life insurance solutions designed to provide financial security for individuals and families.

Office Of Personnel Management

Get expert guidance from retirement consultants to access the Office of Personnel Management online retirement services for federal employees.

Power Banking Concept

Take control of your money, create tax-free growth, and build generational wealth — all through the power of properly structured life insurance.

Calculate Your Retirement

Easily estimate your future retirement income and savings needs. Our tool helps you plan with confidence by projecting finances based on your age, earnings, and contributions.

Federal Disability Retirement

Understand your eligibility and options under FERS or CSRS disability retirement. We help federal employees navigate the OPM application process when a medical condition prevents them from performing their duties.

Workers’ Compensation

OWCP / FECA Learn how to file, manage, and protect your federal workers’ compensation claim through the Office of Workers’ Compensation Programs. Get guidance on FECA benefits, documentation, and your rights after an on-the-job injury.

Family & Medical Leave Act (FMLA)

Know your rights when life happens. We help federal employees understand their FMLA protections — up to 12 weeks of job-protected leave for serious health conditions, family care, and qualifying circumstances.

Rollover For Me

Learn about the different ways to rollover your TSP account into a traditional IRA or ROTH account. Find out how to avoid taxes during withdrawal. 

Annuities

Secure your retirement with guaranteed lifetime income through annuities—offering tax-deferred growth, stability, and protection from market risks.

Everything You Need

Right in Your Pocket.

Exclusively for federal employees — track your benefits, plan your retirement, and stay informed. All in one secure app.

  • Smart Planning Built for Federal Employees

    Plan confidently with tools built to help you understand your years of service, retirement timeline, and benefit options.

  • Clarity on Complex Federal Benefits

    Access insights, workshops, and resources that simplify TSP strategies and federal retirement planning.

Events & Workshops

  • Jun 20 @ 8:30 am

    Exclusive Workshop for AFGE Members

    Your Federal Benefits Are More Powerful Than You Think PWR Retirement Group is bringing an exclusive in-person workshop to Gainesville, FL...

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Secure Savings for Your Retirement with Our Expert Advice

Connect with the best financial advisor for federal employees in Texas from PWR Retirement Group for experienced retirement planning. We help to anticipate retirement income, benefits, best investment plans, and appropriate fund distribution strategies for optimal returns. We cover more than 20 US states and serve over 10,000 federal employees.

Talk To A PWR Advisor

Frequently Asked Questions

Financial planning for federal employees includes – 

  • Help identify federal investment plans to create a strong financial framework 
  • Define the pension options for FERS and CSRS plans 
  • Deploy the best TSP account type and funds to achieve financial goals
  • Navigate the benefits of the world’s largest insurance program 
  • Create a roadmap for early requirements (if applicable) 
  • Determine the roadblocks within each investment option (age and penalty)
  • Calculate retirement income for a secure future

Follow these steps to connect with a retirement consultant for federal employees in Texas – 

  • Browse financial advisor listing websites near you 
  • Check for verified advisors on the CFP board website 
  • Get personal recommendations from close friends or colleagues 
  • List your requirements on financial planning services websites
  • Search on social media networking platforms such as LinkedIn to connect with verified financial advisors

The FEHB is an insurance program provided by the Federal Government in the US in collaboration with insurance companies. 

Federal employees can enjoy a wide range of health insurance plans to secure their families’ future. 

Key features of the plan include – 

  • Consistency of coverage every year for dynamic health conditions
  • No buffer time is required to access the plan benefits 
  • FEHB plans offer international healthcare coverage to federal employees and their families 
  • 70% premium coverage from the government 
  • Pre-tax deductions on premiums help to save money
  • Options to invest in lower-deductible plans or higher-deductible plans

A federal employee does not need to separately invest in the FEGLI program’s basic life insurance plan. They are automatically enrolled in the program from the first day of their service unless they choose to discard this option. 

The basic insurance returns the yearly highest salary amount rounded off to the next thousand and added with $2000 or $10,000. 

New federal employees are automatically enrolled in the basic life insurance plan of the FEGLI program. 

Your age does not impact the basic insurance premium costs.

The federal government covers 1/3rd of the basic insurance premium. 

NOTE: An employee cannot select the additional FEGLI program investment options unless they are a part of the basic insurance program.

Let us break down the different parts of the Federal Employees Group Life Insurance in Retirement Program –

  1. Basic Life Insurance – Salary (rounded up to the next thousand + 2000) It offers automatic coverage if enrolled to the Federal Government (if the account holder passes away, the family and relatives get the sum above) (the government pays one-third of the premium and the account holder pays two-thirds of the premium) (Living Benefit – Terminally ill)
  2. Federal Employees Group Life Insurance Option A – Additional $10,000 benefits if the user is going to pass away (No contribution by the government.)
  3. Federal Employees Group Life Insurance Option B – Additional Insurance – Fed employees can get up to 5 times their annual salary rounded up to the next thousand.
  4. Federal Employees Group Life Insurance Option C – An insurance coverage for your family’s life (Spouse and children only.) Account holders need to fill out a Federal Employees Group Life Insurance Beneficiary form for this option.

The Thrift Savings Plan is the most favorable investment option for federal employees in the US.

It is a plan similar to the 401k and 403(b) from the corporate sector.

Two types of TSP accounts are –

  1. ROTH – Also called post-tax money, there are no tax deductions during withdrawal from this type of account
  2. Traditional – Tax is deducted from the contributed amount during withdrawal

Investment options in 6 different types of Thrift savings plan funds. These funds are –

  1. TSP C Fund – Common stock index S&P500 investments
  2. TSP S Fund – Small-cap stock index funds
  3. TSP I Fund – International stock index into large companies such as Apple and Samsung
  4. TSP F Fund – Bonds and securities investment funds
  5. TSP G Fund – Government securities funds

Federal employees who were hired to US services before 1983 were automatically invested in the CSRS plans. 

Employees joining federal services after 1986 were automatically enrolled in the FERS plan. 

So, the year of joining federal services will give you a clear idea of the retirement program you are categorized into. In case of any confusion, our expert financial advisors are always there to support you. 

However, federal employees were given a choice to select between the FERS and CSRS plans between 1984-87. 

Both plans have their own investment programs, benefits, limitations, and retirement criteria.