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The Federal Benefit 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.
The lessons in this book, delivered to your workforce
The Federal Benefit Gap isn't just a book. Its lessons on FERS, the TSP, FEGLI, FEHB, and Social Security are the same material the Federal Employee Institute teaches to federal employees in agency workshops and webinar classes across the country.
Bring a workshop to your agency →Our instructors have taught at the following agencies
Veterans Affairs
Dept. of Justice
Internal Revenue Service
Dept. of the Air Force
Peterson Space Force
Dept. of the Interior
National Park Service
Dept. of Agriculture
U.S. Forest Service
Bureau of Land Management
Bureau of ReclamationThe Federal Benefit Gap is here.
The plain-English guide to your pension, TSP, and benefits, and the decisions that keep more of what you've earned.
Available now on Amazon.
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 Benefit 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 Benefit Gap
Get your free chapter and see what the book covers before you buy.
Frequently Asked Questions
What will I learn from The Federal Benefit 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 Benefit 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 is a guest speaker on local news networks and a trusted voice for individuals and families navigating retirement. He's passionate about helping federal employees understand and maximize their benefits, and has served over 1,000 families as a fiduciary advisor.
Where can I get The Federal Benefit Gap?
The Federal Benefit Gap is available now on Amazon, where it's an Amazon Best Seller. Want a preview first? Get your free chapter above.
Is this book only for high-earning federal employees?
No! The strategies and insights in The Federal Benefit 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.
