Federal Employee Advocates

Todd Ensing

(661) 713-5021


Email Todd for the Current Password to Our Online Calculator

Terri Apruzzese

(202) 750-1610

Vincent J. Bono J.D.

(423 )290-4000

Carolyn M Tobin

Carolyn M Tobin


Since 1974 our Founders have been helping federal employees better plan for their federal retirement.

Our primary goal is to provide  professional, unbiased federal benefit training & consulting to all members of the FERS & CSRS federal employee community.

We conduct 20 Federal Employee Pre-Retirement Strategy Webinars every year that cover a variety of topics that will help you better plan for your federal retirement, along with videos,  articles, a proprietary FR 80 online calculator, and an eBook, all free of charge to federal employees who registered for one of  our Pre-Retirement Strategy webinars.

Meet Todd Ensing

       Todd‘s services include:

  • Retirement Income Planning

  • Living Trust Preparation

  • TSP & IRA Rollovers

  • Life & LTC Insurance

  • Financial Planning

  • Todd is a Retirement Income Certified Professional, RICP®

  • Todd’s specialty is federal benefits education & retirement planning.

  • Todd has been serving federal employees since 1985.

  • Todd holds a Series 65 Securities License requiring him to put your needs first.

  • Todd is a licensed Insurance agent.