The Federal Retirement Consultant designation applies to professionals who are able to demonstrate their competence and knowledge of federal employee retirement systems and related benefits. In order to obtain and maintain the FRC certification, individuals are required to demonstrate a commitment to high standards, continuing education, professional ethics, and trust.
Alpha Wealth Management has developed a specialty in educating the federal employee on getting the most out of their benefits while providing products and services to meet those needs. Alpha Wealth Management is on the forefront of utilizing innovative financial tools to increase benefits and decrease the risks associated with retirement income planning.
RETIREMENT INCOME PLANNING
Pension Maximization - The CSRS and FERS pension is an integral component of the federal employee retirement package. A limited understanding of how it works and the options available to you can be a costly mistake for you and your spouse as you prepare for a successful retirement.
Social Security Planning - With almost 600 different ways to claim Social Security, and possibly hundreds of thousands of dollars over the course of your lifetime at stake, the timing in which you claim your Social Security income is a very important decision you will make as you prepare for successful retirement.
TSP Management – For most federal employees, the Thrift Savings Plan is the largest nest egg that they will own. Uncertainty and confusion about your Thrift Savings Plan can be very stressful as you prepare for a successful retirement.
Lifetime Income Solutions – Perhaps the biggest concern facing retirees is running out of money in retirement. We aim to provide education and strategies that will help federal employees feel secure about their income as they prepare for a successful retirement.
INSURANCE SOLUTIONS
FEGLI Replacement Options – Federal Employee Group Life Insurance is often the most overlooked component of the federal employee benefit package. A lack of understanding can be a costly benefit mistake for you and your loved ones. We provide strategies that can help ensure that your premiums will not increase, and your death benefit won’t decrease.
Asset-based Long-Term Care - While it is important to plan for Long-Term Care, many federal employees object to traditional long-term care insurance for different reasons. We provide strategies that can help ensure that your premiums will not increase while you and your loved ones may benefit if the need for long-term care does not arise.
SERVICES
Retirement Paperwork Completion – Completing the stack of forms required to retire from federal employment may feel overwhelming. We help federal employees understand and navigate these forms so that they can feel confident heading into retirement.