{"id":2142,"date":"2026-03-03T16:00:28","date_gmt":"2026-03-03T16:00:28","guid":{"rendered":"https:\/\/staging.lusonwp.com\/pathwaysra\/?page_id=2142"},"modified":"2026-03-18T16:56:16","modified_gmt":"2026-03-18T16:56:16","slug":"federal-employees","status":"publish","type":"page","link":"https:\/\/staging.lusonwp.com\/pathwaysra\/services\/federal-employees\/","title":{"rendered":"Federal Employees"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2142\" class=\"elementor elementor-2142\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e571b22 e-flex e-con-boxed e-con e-parent\" data-id=\"e571b22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-259e605 e-con-full e-flex e-con e-child\" data-id=\"259e605\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500.2,94.7L0,0v100h1000V0L500.2,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b60ccc9 elementor-widget elementor-widget-text-editor\" data-id=\"b60ccc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Pathways Retirement Advisors specializes in helping federal employees maximize benefits, create tax efficiency, and retire successfully. Our objective is to educate and enlighten you about what your options are when it comes to your benefits and guide you in creating a well-formed retirement plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4f5a6c elementor-widget elementor-widget-heading\" data-id=\"a4f5a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We bring your goals to life using our Fed-Wealth Optimization Audit.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2da8a9 e-con-full e-flex e-con e-parent\" data-id=\"e2da8a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d360539 e-con-full e-flex e-con e-child\" data-id=\"d360539\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85b1c5b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"85b1c5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-umbrella\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M575.7 280.8C547.1 144.5 437.3 62.6 320 49.9V32c0-17.7-14.3-32-32-32s-32 14.3-32 32v17.9C138.3 62.6 29.5 144.5.3 280.8c-2.2 10.1 8.5 21.3 18.7 11.4 52-55 107.7-52.4 158.6 37 5.3 9.5 14.9 8.6 19.7 0 20.2-35.4 44.9-73.2 90.7-73.2 58.5 0 88.2 68.8 90.7 73.2 4.8 8.6 14.4 9.5 19.7 0 51-89.5 107.1-91.4 158.6-37 10.3 10 20.9-1.3 18.7-11.4zM256 301.7V432c0 8.8-7.2 16-16 16-7.8 0-13.2-5.3-15.1-10.7-5.9-16.7-24.1-25.4-40.8-19.5-16.7 5.9-25.4 24.2-19.5 40.8 11.2 31.9 41.6 53.3 75.4 53.3 44.1 0 80-35.9 80-80V301.6c-9.1-7.9-19.8-13.6-32-13.6-12.3.1-22.4 4.8-32 13.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13a7216 elementor-widget elementor-widget-text-editor\" data-id=\"13a7216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"pp-list-item-content\"><div class=\"pp-heading-wrapper\"><div class=\"pp-infolist-description\"><p>Integrate your CSRS and FERS pensions with Social Security to potentially increase retirement income<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aeecf57 e-con-full e-flex e-con e-child\" data-id=\"aeecf57\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7dd91 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2b7dd91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-cloud-showers-heavy\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M183.9 370.1c-7.6-4.4-17.4-1.8-21.8 6l-64 112c-4.4 7.7-1.7 17.5 6 21.8 2.5 1.4 5.2 2.1 7.9 2.1 5.5 0 10.9-2.9 13.9-8.1l64-112c4.4-7.6 1.7-17.4-6-21.8zm96 0c-7.6-4.4-17.4-1.8-21.8 6l-64 112c-4.4 7.7-1.7 17.5 6 21.8 2.5 1.4 5.2 2.1 7.9 2.1 5.5 0 10.9-2.9 13.9-8.1l64-112c4.4-7.6 1.7-17.4-6-21.8zm-192 0c-7.6-4.4-17.4-1.8-21.8 6l-64 112c-4.4 7.7-1.7 17.5 6 21.8 2.5 1.4 5.2 2.1 7.9 2.1 5.5 0 10.9-2.9 13.9-8.1l64-112c4.4-7.6 1.7-17.4-6-21.8zm384 0c-7.6-4.4-17.4-1.8-21.8 6l-64 112c-4.4 7.7-1.7 17.5 6 21.8 2.5 1.4 5.2 2.1 7.9 2.1 5.5 0 10.9-2.9 13.9-8.1l64-112c4.4-7.6 1.7-17.4-6-21.8zm-96 0c-7.6-4.4-17.4-1.8-21.8 6l-64 112c-4.4 7.7-1.7 17.5 6 21.8 2.5 1.4 5.2 2.1 7.9 2.1 5.5 0 10.9-2.9 13.9-8.1l64-112c4.4-7.6 1.7-17.4-6-21.8zM416 128c-.6 0-1.1.2-1.6.2 1.1-5.2 1.6-10.6 1.6-16.2 0-44.2-35.8-80-80-80-24.6 0-46.3 11.3-61 28.8C256.4 24.8 219.3 0 176 0 114.2 0 64 50.1 64 112c0 7.3.8 14.3 2.1 21.2C27.8 145.8 0 181.5 0 224c0 53 43 96 96 96h320c53 0 96-43 96-96s-43-96-96-96z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec853ba elementor-widget elementor-widget-text-editor\" data-id=\"ec853ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Structure TSP &amp; other investments to weather any market storm<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a328d0 e-con-full e-flex e-con e-parent\" data-id=\"4a328d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-46e3084 e-con-full e-flex e-con e-child\" data-id=\"46e3084\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1b415 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ce1b415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-expand-arrows-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M448 344v112a23.94 23.94 0 0 1-24 24H312c-21.39 0-32.09-25.9-17-41l36.2-36.2L224 295.6 116.77 402.9 153 439c15.09 15.1 4.39 41-17 41H24a23.94 23.94 0 0 1-24-24V344c0-21.4 25.89-32.1 41-17l36.19 36.2L184.46 256 77.18 148.7 41 185c-15.1 15.1-41 4.4-41-17V56a23.94 23.94 0 0 1 24-24h112c21.39 0 32.09 25.9 17 41l-36.2 36.2L224 216.4l107.23-107.3L295 73c-15.09-15.1-4.39-41 17-41h112a23.94 23.94 0 0 1 24 24v112c0 21.4-25.89 32.1-41 17l-36.19-36.2L263.54 256l107.28 107.3L407 327.1c15.1-15.2 41-4.5 41 16.9z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac5f194 elementor-widget elementor-widget-text-editor\" data-id=\"ac5f194\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Address optimal FEGLI options or look at private coverage<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbc80eb e-con-full e-flex e-con e-child\" data-id=\"bbc80eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5518ad4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5518ad4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-paper-plane\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M476 3.2L12.5 270.6c-18.1 10.4-15.8 35.6 2.2 43.2L121 358.4l287.3-253.2c5.5-4.9 13.3 2.6 8.6 8.3L176 407v80.5c0 23.6 28.5 32.9 42.5 15.8L282 426l124.6 52.2c14.2 6 30.4-2.9 33-18.2l72-432C515 7.8 493.3-6.8 476 3.2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4bd372 elementor-widget elementor-widget-text-editor\" data-id=\"e4bd372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Create a Social Security Maximization Plan for you and your spouse<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94628e0 e-con-full e-flex e-con e-parent\" data-id=\"94628e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f9c984b e-con-full e-flex e-con e-child\" data-id=\"f9c984b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a18db4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6a18db4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-piggy-bank\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M560 224h-29.5c-8.8-20-21.6-37.7-37.4-52.5L512 96h-32c-29.4 0-55.4 13.5-73 34.3-7.6-1.1-15.1-2.3-23-2.3H256c-77.4 0-141.9 55-156.8 128H56c-14.8 0-26.5-13.5-23.5-28.8C34.7 215.8 45.4 208 57 208h1c3.3 0 6-2.7 6-6v-20c0-3.3-2.7-6-6-6-28.5 0-53.9 20.4-57.5 48.6C-3.9 258.8 22.7 288 56 288h40c0 52.2 25.4 98.1 64 127.3V496c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-48h128v48c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-80.7c11.8-8.9 22.3-19.4 31.3-31.3H560c8.8 0 16-7.2 16-16V240c0-8.8-7.2-16-16-16zm-128 64c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM256 96h128c5.4 0 10.7.4 15.9.8 0-.3.1-.5.1-.8 0-53-43-96-96-96s-96 43-96 96c0 2.1.5 4.1.6 6.2 15.2-3.9 31-6.2 47.4-6.2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0096a6b elementor-widget elementor-widget-text-editor\" data-id=\"0096a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Utilize your TSP to provide additional retirement income for both you and your spouse<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5a84c3 e-con-full e-flex e-con e-child\" data-id=\"e5a84c3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b01b45 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5b01b45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1200081 elementor-widget elementor-widget-text-editor\" data-id=\"1200081\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Create tax efficiency and reduce taxes on pension, investments and Social Security income<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-218b1ee e-con-full e-flex e-con e-parent\" data-id=\"218b1ee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a5bdb6b e-con-full e-flex e-con e-child\" data-id=\"a5bdb6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6da5188 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6da5188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-friends\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M192 256c61.9 0 112-50.1 112-112S253.9 32 192 32 80 82.1 80 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C51.6 288 0 339.6 0 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zM480 256c53 0 96-43 96-96s-43-96-96-96-96 43-96 96 43 96 96 96zm48 32h-3.8c-13.9 4.8-28.6 8-44.2 8s-30.3-3.2-44.2-8H432c-20.4 0-39.2 5.9-55.7 15.4 24.4 26.3 39.7 61.2 39.7 99.8v38.4c0 2.2-.5 4.3-.6 6.4H592c26.5 0 48-21.5 48-48 0-61.9-50.1-112-112-112z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78b9f26 elementor-widget elementor-widget-text-editor\" data-id=\"78b9f26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Effectively integrate your spouse\u2019s retirement benefits with your own<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0234e79 e-con-full e-flex e-con e-child\" data-id=\"0234e79\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-515bd77 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"515bd77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-plus\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M624 208h-64v-64c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v64h-64c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h64v64c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-64h64c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zm-400 48c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8c2a33 elementor-widget elementor-widget-text-editor\" data-id=\"e8c2a33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Optimize your TSP and spouse retirement benefits or accounts to provide additional retirement income security for both you and your spouse<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a638c04 e-flex e-con-boxed e-con e-parent\" data-id=\"a638c04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e391618 elementor-widget elementor-widget-text-editor\" data-id=\"e391618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"400\">We take pride in helping federal employees make the most of their benefits and turn them into a clear, confident retirement plan. At Pathways Retirement Advisors, We specialize in the complex intersections of wealth\u2014from the intricate nuances of federal benefits to the sophisticated needs of private-sector retirees and business owners. We understand the details of both the FERS and CSRS retirement systems, as well as the concerns, questions, and goals that often come with planning for retirement in federal service.<\/p><p data-start=\"402\" data-end=\"581\">With specialized federal benefits software and dedicated resources designed specifically for federal advisors, we\u2019re equipped to analyze your situation with precision and clarity.<\/p><p data-start=\"583\" data-end=\"852\">If you\u2019re feeling overwhelmed by the complexity of your benefits, that\u2019s completely understandable. The most important step is simply getting started. Schedule a call, set up a Zoom meeting, or visit us in the office so we can review your individual situation together.<\/p><p data-start=\"854\" data-end=\"1266\">We\u2019ll calculate your projected pension based on your service record and walk you through survivor benefit options and associated costs. We can run multiple retirement scenarios\u2014retiring this year or later\u2014and evaluate different TSP withdrawal strategies to show how they impact your income plan before and after taxes. Our goal is to help you see clearly whether your numbers support the retirement you envision.<\/p><p data-start=\"1268\" data-end=\"1372\">One of the biggest questions federal employees ask is: Will I need to change my lifestyle in retirement?<\/p><p data-start=\"1374\" data-end=\"1552\">We help you project your income from all available sources and create a strategy designed to support the lifestyle you want\u2014while helping reduce the risk of outliving your money.<\/p><p data-start=\"1554\" data-end=\"1807\">Many of our clients tell us they feel a tremendous sense of relief after going through our process. That confidence comes from having a clear, personalized, goals-focused retirement strategy that brings all the pieces together into one coordinated plan.<\/p><p data-start=\"1809\" data-end=\"2091\" data-is-last-node=\"\" data-is-only-node=\"\">When your plan is complete, you\u2019ll know you have a dedicated federal advisor in your corner\u2014someone committed to helping you make informed decisions at every stage of retirement. That\u2019s what we do every day at Pathways Retirement Advisors for the federal employees we proudly serve.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52e5f2f e-con-full e-flex e-con e-parent\" data-id=\"52e5f2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-97ceccf e-con-full e-flex e-con e-child\" data-id=\"97ceccf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aeae46d elementor-widget elementor-widget-image\" data-id=\"aeae46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" 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Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b597e1 elementor-widget elementor-widget-text-editor\" data-id=\"1b597e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"fl-module fl-module-pp-heading fl-node-zt8u0m145fa2\" data-node=\"zt8u0m145fa2\"><div class=\"fl-module-content fl-node-content\"><div class=\"pp-heading-content\"><div class=\"pp-sub-heading\"><p>Are you getting the most from your hard-earned federal benefits? Our Seminars On Demand program has a session dedicated to maximizing your federal benefits \u2014 plus several other retirement topics.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3c3f9c elementor-widget elementor-widget-button\" data-id=\"c3c3f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/marquesmiles.seminarsoncall.com\/seminar\/federal-employees\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore Our Seminars<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pathways Retirement Advisors specializes in helping federal employees maximize benefits, create tax efficiency, and retire successfully. Our objective is to educate and enlighten you about what your options are when it comes to your benefits and guide you in creating a well-formed retirement plan. We bring your goals to life using our Fed-Wealth Optimization Audit. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":434,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"background-image","ocean_post_title_background_color":"","ocean_post_title_background":1935,"ocean_post_title_bg_image_position":"center center","ocean_post_title_bg_image_attachment":"fixed","ocean_post_title_bg_image_repeat":"no-repeat","ocean_post_title_bg_image_size":"cover","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-2142","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Employees - Pathways Retirement Planning<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/staging.lusonwp.com\/pathwaysra\/services\/federal-employees\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Employees - Pathways Retirement Planning\" \/>\n<meta property=\"og:description\" content=\"Pathways Retirement Advisors specializes in helping federal employees maximize benefits, create tax efficiency, and retire successfully. 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