A lot of federal employees assume, "I've got my FERS pension, Social Security later, and some money in my TSP… we should be okay." On paper, that can look fine. But in real life, mortgages, car payments, FEHB premiums, and everyday expenses can make that pension feel smaller every year, especially as inflation slowly pushes costs higher. In this episode of Confident Federal Retirement, Tom walks through how to tell if you have a real retirement income gap and what to do about it.

You'll learn the three main levers you can pull when your federal pension doesn't feel like enough: cleaning up the wrong types of debt before you retire, building a clear "income stack" using your FERS pension, Social Security, and TSP in the right order, and making sure your plan has enough growth to keep up with inflation over a 20‑ to 30‑year retirement. Tom shares a simple, real‑world style example of a married federal couple where a scary‑looking shortfall turns into a workable plan once the numbers are mapped out.

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When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request your free Federal Retirement Blueprint.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.