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Tag: federal employee benefits

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  • Federal Benefits

What Happens To Your FERS Pension When You Kick The Bucket?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 3, 2021July 28, 2021

Your FERS pension has a survivor benefit. The survivor benefit allows your spouse (or someone…

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Buying Back Military Time
  • Federal Benefits

5 Things You Need To Know About Buying Back Military Time (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 1, 2021July 16, 2021

In this video, I’ll cover the 5 things you need to know about buying back…

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  • Federal Benefits

The FERS Disability Retirement Option

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 27, 2021July 16, 2021

As a Federal employee, you are not offered short-term disability coverage. However, you do have…

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FERS Deferred Retirement
  • Federal Benefits
  • Video

The FERS Deferred Retirement In Under 3 Minutes (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 25, 2021July 16, 2021

Federal employees covered under FERS who separate from service before meeting the requirements for an…

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FERS MRA Plus 10
  • Federal Benefits

What is the FERS MRA + 10 Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 20, 2021February 26, 2025

Federal employees covered under the FERS retirement system are offered a unique retirement option, the…

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  • FERS Supplement

The FERS Supplement At A Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 30, 2020February 28, 2025

If you are covered by FERS and retire before age 62, you may be eligible…

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  • Federal Benefits

What is the FERS Enhanced Pension Multiplier?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 9, 2020February 28, 2025

Any Federal employees hired after January 1, 1987, are covered under the Federal Employees Retirement…

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  • Federal Benefits

How Much Federal Employees’ Group Life Insurance Do You Need?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on October 5, 2020July 16, 2021

For many of us, life insurance is an essential part of our risk management plan;…

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Traditional TSP VS Roth TSP
  • Federal Benefits

Which Thrift Savings Plan Is Right For You? Roth Vs. Traditional

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 28, 2020March 4, 2025

Having the choice of contributing to a Traditional TSP or a Roth TSP provides you…

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  • Federal Benefits

Your Federal Employees’ Group Life Insurance at a Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 21, 2020July 16, 2021

The Federal Employees’ Group Life Insurance (FEGLI) program provides group term life insurance to eligible…

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Meet Your Financial Planner


Jose Armenta is a Certified Financial Planner practitioner specializing in helping FERS federal employees understand and integrate their federal benefits into a comprehensive financial plan.

As a FERS retirement expert, he has helped thousands of federal employees understand their benefits from a financial planning perspective and integrate them into their financial plans.

As a former Marine and police dispatcher, Jose takes great pride in serving those who serve our great nation.

If you’d like to learn more about how his firm can help you reduce taxes, maximize your benefits, and live confidently knowing you are making smart financial decisions, schedule a free consultation today using the appropriate tab in the menu.

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