Broker Check


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.

According to Wealth Advisor Jill Mollner, “Benefit elections for Federal employees are irrevocable, which means 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 15-year veteran of the financial services industry who joined Cornerstone Financial Solutions in 2019, Jill has recently undergone the specialized training required to test for the Chartered Federal Employee Benefits Consultant(SM) certification. The 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.

According to Jill, the fact that all Cornerstone Wealth Advisors have this certification is important to the financial planning provided to Federal employees. Jill states, “This in-depth level of understanding of federal government plans allows our team to provide the comprehensive service we are known for, including tax strategies, investment management, protection planning, and estate planning along with retirement planning.”

As a Federal employee, there are many options that can arise in your retirement plan that can have a lasting impact on you future including:


This may sound like a silly questions, 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.

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.

You can download the latest issue of Sioux Falls Woman Magazine by visiting

As appeared in Sioux Falls Woman Magazine, April/May 2020.

Any opinions are those of Jill Mollner and not necessarily those of Raymond James. Cornerstone Financial is not affiliated with or endorsed by the US Government or Federal Employee Retirement System (FERS).
Raymond James is not affiliated with and does not endorse Sioux Falls Woman Magazine.