The Federal Benefits Gap
The Decisions Your Benefits Won't Make for You
Most federal employees leave thousands on the table. This book shows you how to keep it.
You Will Learn to Retire with MORE
Understanding Your FERS Pension
How your Federal Employees Retirement System pension works and strategies to maximize your lifetime benefit
TSP Optimization Strategies
Advanced Thrift Savings Plan strategies including fund allocation, Roth conversions, and withdrawal planning
FEGLI Life Insurance Analysis
When to keep your Federal Employees Group Life Insurance and when to replace it, which could save you thousands
FEHB Health Benefits Planning
How to optimize your Federal Employees Health Benefits in retirement, including Medicare coordination
Social Security & FERS Integration
How Social Security coordinates with your FERS pension and the strategies most advisors miss
The Federal Benefits Gap
The critical gaps between what HR tells you and what you actually need to know for a secure retirement
“In my years focused on fiscal responsibility and retirement security, I’ve seen how many of the biggest retirement mistakes relate to taxes, and federal employees are rarely warned about them. This book fills that gap. It’s clear and candid about how to coordinate your pension, TSP, and Social Security so you keep more of what you’ve earned. Federal employees should read it before they retire.”The Honorable David M. Walker7th Comptroller General of the United States (1998–2008)
Former Public Trustee for Social Security & Medicare
Sound Familiar?
What Federal Employees Are Saying
"This book changed how I think about my retirement."
"I had no idea I was leaving money on the table until I read this."
"Every federal employee should read this before they retire."
Let's Close Your Benefits Gap
Get your free chapter and be the first to know when the book is available.
Frequently Asked Questions
What will I learn from The Federal Benefits Gap?
You'll discover comprehensive strategies for maximizing your FERS pension, optimizing your TSP investments, making informed decisions about FEGLI life insurance, planning your FEHB health benefits for retirement, and understanding how Social Security integrates with your federal benefits. Most importantly, you'll learn about the critical gaps between what HR tells you and what you actually need to know for a secure retirement.
Who is The Federal Benefits Gap for?
This book is specifically written for federal employees, especially those within 10 years of retirement. Whether you're a GS employee, postal worker, or other federal worker, if you're confused about how your benefits work together or worried about making the right decisions at retirement, this book is for you.
Who is Michael Stevens?
Michael Stevens is a fiduciary financial advisor and the founder of the Federal Employee Institute. He hosts the weekly radio show Retire Right Radio and is a guest speaker on local news networks. As a trusted voice for individuals and families navigating retirement, he's passionate about helping federal employees understand and maximize their benefits. He's served over 1,000 families as a fiduciary advisor.
When will The Federal Benefits Gap be available?
The Federal Benefits Gap is scheduled for release in 2026. Get your free chapter now and be the first to know when the full book becomes available at major retailers.
Is this book only for high-earning federal employees?
No! The strategies and insights in The Federal Benefits Gap apply to federal employees at all GS levels and pay grades. Whether you're early in your federal career or approaching retirement, understanding how to maximize your benefits package is crucial regardless of your current salary.
