PWR FED 360-Federal Retirement Educational Summit

If you are a federal employee, you have probably spent years being told your retirement is “taken care of.” And in one sense, that is true — the federal system is among the most structured in the country. But structure is not the same as clarity. Most employees reach their final five years with a solid sense of one or two pieces and a fog around the rest.
PWR FED 360 exists to clear that fog.

PWR FED 360 is a free, bilingual Federal Retirement Educational Summit for federal employees, veterans, and retirees. Hosted by PWR Retirement Group, it delivers Federal Retirement Guidance across every major component of your benefit — how the FERS and CSRS monthly retirement payment is calculated, TSP Retirement Guidance, health and life insurance continuation, survivor elections, and tax-aware income sequencing. Nothing is sold from the stage.

The “360” is the entire premise. Your federal retirement benefit is not one decision. It is a series of interlocking decisions, and each one changes the math on the others.

Here is the pattern we see repeatedly.

An employee attends a TSP briefing and learns about fund allocation. Six months later, a colleague mentions the FEHB five-year rule. A year after that, someone raises survivor benefits — and by then, the retirement election has already been submitted.

The result is what we call fragmented Federal Employee Financial Guidance: technically correct information delivered in isolation, leaving the employee to perform the integration themselves. That integration is precisely where the difficult decisions live.

Consider three examples of how one decision reaches into another:

None of those three decisions can be evaluated well on its own. That is the case for a 360-degree approach — and it is why this federal employee retirement seminar is structured the way it is.

We start with the calculation itself, in plain language.

• High-3 average salary — what counts toward it and what does not
• Creditable service — including how unused sick leave is applied and when a military buyback is worth evaluating
• The FERS multiplier — 1% per year of service, or 1.1% if you retire at age 62 or later with at least 20 years of creditable service
• Minimum Retirement Age (MRA) — between 55 and 57, depending on your year of birth
• Reductions and elections — how survivor benefit choices change the monthly figure

The Office of Personnel Management (OPM) is the sole authority on federal retirement eligibility and computation. Our role is to help you understand what OPM’s rules mean for your specific circumstances — not to substitute for them.

The Thrift Savings Plan is where the largest balances usually sit, and where the most consequential timing questions arise. Sessions cover:

• Fund mechanics — how the G, F, C, S, and I funds behave differently, and what the Lifecycle funds are doing on your behalf
• Contribution strategy — traditional versus Roth TSP, the annual elective deferral limit, standard catch-up contributions at age 50, and the higher “super catch-up” available at ages 60 through 63 under SECURE 2.0
• TSP Withdrawal Guidance — the mechanics and trade-offs of partial withdrawals, installment payments, the TSP lifetime income option, and combinations of the three
• The age-55 separation rule — why separating from federal service in or after the calendar year you turn 55 changes your early-withdrawal penalty exposure on TSP funds (age 50, or 25 years of service, for qualifying special category employees)
• Required minimum distributions — the current RMD age tiers, and the SECURE 2.0 change that removed RMDs from Roth TSP balances

Withdrawal sequencing is the part most employees have never had walked through. Which account you draw from first, and in what order, shapes your tax picture for decades.

Your monthly retirement payment is the headline. These are the line items that quietly determine your actual quality of life:

• FEHB — the five-year continuous enrollment requirement, how coverage carries into retirement, and how it coordinates with Medicare
• FEGLI — how the value and cost of each option changes after you retire
• Survivor benefits — the election, the reduction, and the long consequences of getting it wrong
• Social Security — claiming-age considerations and coordination with your federal retirement benefit. The Social Security Administration is the sole authority on Social Security determinations
• Special provisions — the FERS Special Retirement Supplement, and what applies to law enforcement, firefighter, and air traffic controller categories

The final portion addresses what happens once the paperwork is done: turning accumulated balances into sustained, tax-aware income.

We introduce the PWR Method — our education-first framework for structuring retirement income around tax efficiency, protection, and long-term sustainability. This is a teaching framework, not a product pitch. Attendees leave with a way to think about the problem, not a form to sign.

This summit is built for:

• Federal employees five to ten years from retirement — the window where decisions still have room to move
• Employees within one to two years of separation — the window where sequencing and paperwork matter most
• Early and mid-career employees — TSP contribution decisions made at 35 compound far longer than any made at 60
• Veterans and military retirees — in federal civilian positions weighing buyback and coordination questions
• Current federal retirees — navigating withdrawal, tax, and survivor questions after the fact
• Spouses and family members — retirement is a household decision, and we teach it that way

Every session is presented in plain language. You do not need a finance background. You need about five hours and a willingness to ask questions.

Nothing is sold from the stage. No products are offered, no applications are distributed, and no one is pulled aside for a pitch. This is a federal retirement benefits workshop, and that is all it is.
It is bilingual. Sessions are delivered in English and Puerto Rican Spanish, because a household should be able to make this decision together in the language it actually speaks.
It is genuinely free — including the meals. No ticket, no fee, no upsell tier. Breakfast and lunch are provided at no cost so you can stay for the full session without breaking your day. Seating is limited, so registration is required.
It is comprehensive by design. Most federal retirement events cover one topic well. This one covers the whole picture, because the whole picture is the only version that helps you decide anything.

If you want to continue the conversation afterward, a free educational session with a PWR educator is available on request. That is your choice, made after the event, on your timeline.

PWR FED 360 runs across two locations on consecutive days. The content is the same at both — attend whichever is closer to you.

Free to Attend · Lunch Included
The event is completely free to attend, with lunch provided at no cost. Seating is limited — registration required.

Registration closes when capacity is reached at each venue. Because meals are provided, we ask that you register only if you intend to attend.

1. What is PWR FED 360?

PWR FED 360 is a free educational event regarding federal retirement, organized by PWR Retirement Group for federal employees, veterans, and retirees. It offers guidance on federal retirement, covering topics such as FERS and CSRS retirement benefits, TSP withdrawal options, the continuation of FEHB and FEGLI benefits, survivor benefit options, and tax-efficient retirement income planning. Sessions are conducted in English and Spanish, and no sales take place during the event.

2. Is the summit really free, and is anything sold at the event?

Yes. The event is completely free to attend, with lunch provided at no cost, and no products or services are sold. PWR FED 360 is structured as education only — no applications are distributed and nothing is presented from the stage for purchase. Seating is limited and registration is required. If you want to speak with an educator afterward, you can request a free educational session, entirely at your own initiative, after the summit ends.

3. Who should attend this federal employee retirement seminar?

Federal employees at any career stage, veterans, current federal retirees, and their spouses. Employees within five to ten years of retirement benefit most, since that window still allows decisions to change outcomes. Early-career employees benefit from TSP Retirement Guidance while compounding time remains. Spouses are strongly encouraged to attend, since survivor and health coverage elections affect the whole household.

4. What TSP Withdrawal Guidance is covered?

The summit covers the full range of TSP withdrawal methods available to separated participants — partial withdrawals, installment payments, the TSP lifetime income option, and combinations — along with the tax treatment of each. It also covers the age-55 separation rule and its effect on early-withdrawal penalties, required minimum distribution timing, and how withdrawal sequencing across TSP, IRA, and other accounts affects your total tax picture in retirement.

5. Do I need to already understand FERS or the TSP to attend?

No. Every session is taught in plain language with no assumed background in finance. Terms are defined as they are introduced, and the material is deliberately accessible to family members who do not work for the federal government. Attendees who already know the fundamentals still gain from the integration — seeing how each Federal Benefit Guidance topic connects to the others.

6. Is PWR Retirement Group affiliated with OPM or any federal agency?

No. PWR Retirement Group LLC is a private, independent financial services firm. It is not affiliated with, endorsed by, or acting on behalf of the Office of Personnel Management, the Federal Retirement Thrift Investment Board, the Thrift Savings Plan, the Social Security Administration, or any U.S. government agency. OPM remains the sole authority on federal retirement eligibility and computation.

7. Are the sessions offered in Spanish?

Yes. PWR FED 360 is fully bilingual, with sessions delivered in both English and Puerto Rican Spanish. Materials are available in both languages, and educators are available for questions in either language throughout the day.

8. What should I bring, and what will I leave with?

Bring a notepad and any questions specific to your situation — you do not need to bring documents, and you should not bring account statements or personal financial records. You will leave with a working understanding of how your federal retirement benefit fits together, a clearer view of your Federal Employee Retirement Options, and printed reference materials to review with your family.