Get Started icon Get Startedlicon

Federal Retirement Planning. One Firm. One Focus

Retirement income, taxes, investments, and protection in one strategy.

You have four decisions to get right before you retire. Retirement income. Taxes. Investments. Protection for your family. Each one affects the others. ALNA Wealth helps you coordinate all four into one plan.

1. Retirement Income

Your pension, TSP, and Social Security — working together.

Your FERS pension and Social Security provide foundation and longevity protection. Your TSP provides flexibility. The question isn't how much you have in each — it's how you coordinate all three into a retirement income strategy designed to provide reliable income over time.

  • When is the right time to retire — and what does it cost you to wait
  • How much your pension pays and how it’s calculated
  • What happens to your income before Social Security kicks in at 62
  • When to claim Social Security given your pension and family situation
  • How to draw from your TSP without a surprise tax bill

2. Taxes

Unlike anything you experienced during your career.

Most federal employees retire with the majority of their savings in pre-tax accounts. Every dollar withdrawn is a taxable event. When pension, TSP, and Social Security stack together, the consequences are significant and largely irreversible if not planned in advance.

  • How to minimize tax surprise when you start pulling from your TSP
  • Why the years just after retirement may be your best chance to reduce lifetime taxes
  • What happens to your Medicare premiums when your retirement income goes up
  • What to expect and how to plan for required distributions 
  • How your pension, TSP, and Social Security add up on your tax return

As an Enrolled Agent, Lamont is authorized to represent taxpayers before the IRS.

3. Investments

Your TSP is your largest asset. It may also be your largest tax liability.

How your investments are structured, where they are held, and how they are drawn down play a significant role in determining both your income and your tax situation for the next twenty to thirty years. Investment decisions are not separate from your income plan — they are part of it.

  • Whether your TSP should stay where it is or move when you retire
  • How your investments need to change as you shift from saving to spending
  • What happens to your portfolio if markets drop early in retirement when you’re drawing income
  • Making sure your money is in the right accounts to reduce your tax bill
  • Keeping your portfolio aligned with your income needs as retirement unfold
  • How to cover unexpected medical costs without derailing your retirement income

4. Protection and Legacy

The decisions that protect your family are permanent.

SBP election guidance before you finalize anything – FEHB and Medicare coordination – Beneficiary designation review across all accounts – Estate plan integration and document review

  • What happens to your spouse’s income if you die first
  • Are survivor benefit you’re worth it for you
  • How to plan healthcare coverage after you retire
  • Does your estate plan protect your family when you die, become incapacitated, or can no longer manage your finances and healthcare decisions
  • How will your family know where everything is and what to do when the time comes

Tax Planning Is Not a Separate Service

At ALNA Wealth tax planning runs through each engagement. Income strategy, TSP withdrawals, benefit elections, and Social Security timing are all evaluated through a tax lens.

The decisions ahead are connected. So is the planning behind them.

Get Started icon Get Started icon

The Hidden Tax Liability in Your TSP: What $500K Really Becomes After Taxes

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

Save My Seat