FRC Federal Retirement Consulting in St. Petersburg
FERS · CSRS · TSP · FEHB · FEGLI Analysis
Pinellas County hosts a substantial federal workforce, including personnel at the Bay Pines VA Medical Center, the U.S. Coast Guard, and the United States Postal Service. Founder John Ziesing holds the Federal Retirement Consultant (FRC) designation, qualifying the firm to analyze the full spectrum of federal benefits — FERS, CSRS, TSP, FEHB, and FEGLI — under a unified planning framework.
Federal Benefits Stats — 2026
- 2026 FERS basic annuity multiplier (age 62+)
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4.6%
2026 FERS basic annuity multiplier (age 62+)
- 2026 TSP elective deferral limit
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$23,500
2026 TSP elective deferral limit
- TSP catch-up contribution (age 50+)
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$7,500
TSP catch-up contribution (age 50+)
- Certified federal benefit consultant
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FRC
Certified federal benefit consultant
Sources: LIMRA Q1 2026, AnnuityAdvantage rate survey, ACM internal data.
Quantify the Value of Every Federal Benefit
Federal employees approaching retirement face dozens of consequential elections — most made once, most irreversible. Advanced Capital Management produces a written analysis quantifying the dollar value of each benefit and the long-term cost of suboptimal elections.
The deliverable spans survivor benefit elections, TSP withdrawal sequencing, FEHB plan selection, and FEGLI optimization — each modeled in current dollars across the projected retirement horizon.
Scope of the Federal Benefits Analysis
- FERS and CSRS pension calculations and projections
- TSP withdrawal sequencing and rollover strategy
- FEHB plan selection optimization
- FEGLI election analysis and alternatives
- Survivor benefit election guidance
- Written analysis quantified in current dollars
Frequently Asked Questions
What is an FRC Federal Benefit Consultant?
What federal benefits do you analyze?
How much money are federal employees leaving on the table?
Do you work with federal employees outside St. Petersburg?
Request a Federal Benefits Analysis
Schedule a complimentary 20-minute review to receive a written quantification of your federal benefits package.