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APG - FERS Retirement Educators
Lon Benge, IFA
Advisor - Analyst
FERS Retirement Educators specializes in providing planning and guidance for those who are seeking a better lifestyle in retirement. The first step we usually recommend is our complimentary Retirement Income & Benefits Analysis Report.  

Whether you have a retirement nest egg of a few thousand dollars or hundreds of thousands, we can help you make sure it works as hard and as smart as you did in earning and saving it. If you're typical, your retirement could last as long as 30 years and you simply cannot afford to make mistakes with your retirement money and run the risk of ruining your lifestyle during your leisure years.  We have helped literally hundreds of individuals and couples, at all economic levels, to enjoy a worry free retirement knowing that their money is safeguarded, plus working hard and smart, and ready for them when needed. 

There is no one "best place" to put your retirement money because each individual and couple has unique requirements, different tolerances for risk and need their money at different times.  Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons.  In order to make sure your money is in the "best place for you", your unique circumstances must be taken into consideration.  This is where we can be of service.

The two most common money mistakes made by the retirement-minded are (a) putting all their retirement assets in short-term savings places, and (b) unknowingly taking a risk they can't afford.  If you have your retirement money in highly liquid places that allow you access immediately, you're paying a dear price for liquidity you don't need.  Not all of your retirement money will be needed at the same time. Therefore, you may need to space your investments so they come due when needed yet retain enough flexibility to take care of an emergency should one arise.  Far too many people have all their retirement money in the "market" and exposed to the risk of principal loss.  Certainly some of your money needs to be in short-term places that give you access without penalty.  Some may be able to afford the risk of the market with some of their retirement money, but too much in either place is generally a bad plan.

Especially for Federal and Postal employees, we help you deploy your retirement money properly – meeting your liquidity needs and making sure your risk is suitable at the same time helping you strike a proper balance between the short-term and the longer-term maturities.  We can also assist you in making sure you are paying only your fair share of taxes and not one cent more.  Additionally, with our help the income from your retirement money, pension (FERS Annuity), and your Social Security can be perfectly coordinated to assure you a worry free retirement without fear of running out of money in your lifetime.

We're very hopeful for an opportunity to discuss your retirement plans so you can learn first-hand how we can be of benefit.  There is no cost or obligation of talking with us by phone or meeting to discuss your circumstances and your retirement plans.  If we can't be of service, you will at least have the comfort of knowing that you have consulted with a knowledgeable professional about the most important financial decisions in your life.  It is very important for you to get retirement "right" because there is no second chance.  We look forward to working with you soon to help you lower your stress and worry over your retirement years.

Taking the Ouch out of Investing & Retirement Planning since 1995.
Do you know what your first day in retirement will look like, financially speaking?

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APG - FERS Retirement Educators primarialy focuses on providing retirement income and planning strategies to Federal, State, and Postal Service employees. We also provide this Guarantee-Based savings and Income Planning advice to conservative investors in or nearing retirement.

The information presented herein is not specific to any individual's personal investment circumstances. Each recipient, investor, or taxpayer should seek independent advice from a tax or other professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

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