Justin Heatherly
Federal Retirement Online Calculator

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Carolyn M. Tobin, M.A.


Vincent J. Bono, JD
Olivia Voznenko
Vincent J. Bono, J.D.

What Is Your “Federal Retirement Destiny

By Vincent J. Bono J.D.

“What Is Your Federal Retirement Destiny” is an article written by the Founder of our company, Vince Bono. We recommend that you click on the title link above Vince’s name, and read this article so that you can truly understand your TSP options and see for yourself why so many federal employees were forced to postpone their federal retirement. With the market at all-time highs, now might be the ideal time to lock-in your gains on a tax free basis and put your TSP money in a place where it participates in the upside of the stock market without any risk of losing any of it due to market conditions.

Click Here For Our TSP Vs Enhanced Indexed Annuity Video

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The “Managed Indexes” below are the engines that drive two highly regarded Enhanced Fixed Indexed Annuities that participate in the upside of the Stock Market, but unlike your TSP C, S, I & L Funds, can never lose money due to downturns in the Stock Market.

Barclays Trailblazer Sector 5 (Click Here For Brochure)

Fidelity AIM Dividend Index (Click Here For Brochure)

Fully understanding your TSP options is the very first step towards having a safe, secure, prosperous and long-lasting federal retirement. Most federal employees are unaware of the fact the TSP C Fund, S Fund and I Funds are not managed ┬áto maximize gains or minimize losses; they simply mimic the performance of a stock market index, without any hedging or “stop loss” protection for the federal employee.

Worse yet, those TSP Funds are subject to an unlimited “Claw-Back” of all prior gains, which is why in 2008, the C Fund lost 36.99% of its value, the S Fund 38.32% and the I Fund 42.43%. If you are within 10 years of retirement, you should ask yourself if it is really worth taking that risk.

As a federal employee, your retirement benefits have a totally different infrastructure than that of a non-federal employee, and irreversible mistakes can and do occur when an Advisor who is not a federal retirement specialist “learns on the job” at your expense.

We specialize in helping federal employees (and only federal employees) plan for a safe, secure, prosperous and long-lasting federal retirement. Vince Bono, the Founder of Federal Employee Advocates, has been helping federal employees strengthen their finances for 45 years and Justin Heatherly is now going on his 18th year of helping federal employees plan for a better retirement. Justin holsd the prestigious Chartered Federal Employee Benefits Consultant (ChFEBC) designation, which is only awarded to those who excel in their knowledge of federal retirement benefits.

If you have an interest in learning more about “Enhanced Fixed Indexed Annuities”, we will be glad to spend as much time with you as you need, without any cost or obligation on your part. Best yet, all of this help can all be accomplished by phone, email & the internet.