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You've Dedicated Your Life To Public Service.

Don't Trust Your Complex Federal Retirement Planning To Just Anyone.

Federal retirement benefits can be exceptionally complicated. Not only are there multiple programs an employee can fall under, each one has its own set of complex rules that can dramatically impact your future if not handled by someone with extensive knowledge of Federal benefits.

Benefit elections for Federal employees are irrevocable (they can’t be changed.) It’s important that you work with someone who knows the specifics of the Federal plans and “speaks the language” to help ensure you make the right decisions for you and your family. A few examples of the options that can arise in your retirement plan that can have a lasting impact on you future:


This may sound like a silly question, but as a Federal employee, retiring on the wrong day of the month can literally mean the loss of a month of hard-earned benefits.


As a Federal employee you can sometimes use unused sick leave to increase your retirement benefits, or you can take it when you leave. Deciding which way to go can have a big impact on your finances in the long run.

The Chartered Federal Employee Benefits Consultant(SM) designation demonstrates training about FERS, CSRS and Special Provisions (LEO, FF, ATC, CBPO, MRT) and means designees can provide answers to your questions about your TSP, FEGLI, and Social Security.

This in-depth level of understanding of federal government plans allows our team to provide retirement planning as well as the comprehensive service we are known for, including tax-smart strategies, investment management, protection planning, and estate planning along with retirement planning.

For more information or to schedule an appointment to discuss your Federal retirement options with a Wealth Advisor at Cornerstone Financial, call our office at 605.357.8553 in Sioux Falls or 605.352.9490 in Huron. Or contact us via email at

Cornerstone Financial is not affiliated with or endorsed by the US Government or Federal Employee Retirement System (FERS).