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Retirement is Complex.
Getting it Right Matters.

FERS, TSP, and Social Security coordinated into one strategy with taxes handled every step of the way.

You've spent decades building a federal career. Retirement is near and the decisions ahead are important. Most are irreversible.

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Retirement Scorecard Retirement Scorecard

Federal retirement is our specialty. If you're outside federal service and navigating significant tax complexity near retirement, we can help with that too.

Built for Federal Employees. Specific to Your Situation.

Federal retirement is not general retirement planning.

Retirement Income From Three Sources. Each With Different Rules.

Social Security, your FERS pension, and TSP each work differently.

Taxes Will Be a Challenge. You Just Don't Know How Much.

Your income and TSP withdrawals create a tax situation unlike anything you experienced during your career.

Your Family's Future Depends on Decisions You Make.

SBP and FEHB elections are permanent and the cost is paid by the people you're trying to protect.

Built for federal civilian employees — GS-12 to SES — within five years of retirement.

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Federal Service Has Structure. Retirement Doesn't.

For decades your pay arrived on schedule. You saved into your TSP automatically. Your pension accumulated. You focused on the mission.

Retirement comes with decisions.

When to claim Social Security. How to access your TSP tax-efficiently. What's needed to protect your spouse. How to cover rising healthcare costs. These decisions are connected. How you handle one affects the others. Most federal employees face them without a guide.

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What Most Federal Employees Learn Too Late

  • A large portion of my TSP may go to taxes?

    I've sat across from retirees who withdrew $100,000 from their TSP without a tax strategy. That single decision pushed them into a higher bracket and triggered Medicare premium surcharges that lasted for years. The IRS doesn't send a warning. Neither does TSP.

  • My Survivor Benefit election is irreversible?

    Correct — and it determines whether your spouse receives 0%, 25%, or 50% of your pension after you're gone. Miss the window or choose wrong, and there's no going back.

  • TSP's five funds aren't enough for a 30-year retirement?

    The C, S, I, F, and G funds are designed for accumulation. Retirement income is a different problem. It requires a different approach.

  • Why did my Medicare premiums suddenly spike?

    One high-income year can trigger IRMAA surcharges that follow you for years. Most federal employees don't see it coming until the bill arrives..

The window for most of these decisions closes at retirement. The order you claim Social Security. The SBP election. The TSP strategy. Get them right beforehand.

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Why Federal Employees Choose ALNA

Federal retirement is specific. So is the expertise required to get it right.

  • Fiduciary

    Always acting in your interest.

  • Our specialization

    Federal civilian employees within five years of retirement. GS-12 to SES. DC metro and Fredericksburg, VA.

  • CERTIFIED FINANCIAL PLANNER (CFP®)

    Planning depth across income, investments, benefits, and taxes.

  • Enrolled Agent (EA)

    A federal license to practice before the IRS

  • One Focus

    Specialized retirement planning is all we do

It All Starts With a Conversation.

Introductory Call

A short call to share what's important to you, ask questions, and decide if we're the right fit.

Discovery Meeting

A deeper look at your finances, focusing on taxes, investments, retirement planning, and risk management.

Financial Strategy Presentation

A personalized strategy coordinating your FERS pension, TSP, Social Security, and tax situation into one clear plan — with specific next steps.

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Your TSP May Be Your Biggest Asset. It May Also Be Your Biggest Tax Liability.

Learn more and reserve your spot for this free webinar — built specifically for federal employees within five years of retirement.
You’ll walk away knowing:
  • Why your TSP balance and your TSP income are two very different numbers
  • How TSP withdrawals interact with your pension and Social Security to create an unexpected taxes
  • What IRMAA is and how a single year of income can trigger Medicare surcharges that last for years
  • The withdrawal strategies federal employees use to reduce their lifetime tax bill
  • When to start planning — and why waiting until retirement is too late
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The Hidden Tax Liability in Your TSP: What $500K Really Becomes After Taxes

Free| Live Webinar | Tuesday, March 24, 2026 | 7:00 PM ET

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