Kevin Ferreira

"Your federal benefits are more powerful than you think — but only if you understand how they work together."

• Your FERS pension is calculated on a formula most feds have never actually seen run on their own numbers.
• Your TSP strategy — how much, which funds, Roth vs. traditional — matters more than most people realize heading into retirement.
• FEHB and FEGLI work very differently in retirement than they do during your working years.
• Social Security timing can mean a difference of tens of thousands of dollars depending on when and how you claim.
• Survivor benefits and military buyback are decisions you often can't undo — getting them right the first time matters.

"The right life insurance policy isn't the cheapest one — it's the one built around your actual life."

• Employer-provided coverage is rarely enough on its own — and it disappears the moment you leave your job.
• Term, whole, or universal — each serves a completely different purpose. Most people buy the wrong type because nobody explained the difference.
• The amount matters just as much as the type. Your income, your debts, and your dependents all factor into what you actually need.
• Waiting costs more. Life insurance is priced on your age and health today — both of those only move in one direction.

"70% of people over 65 will need long-term care. Most have absolutely no plan for it."

• Medicare does not cover long-term care. Most people assume it does — until they need it and find out it doesn't.
• The average cost is $100,000+ per year. A care event without a plan can erase decades of savings in a few years.
• Hybrid policies let you protect your assets AND get long-term care coverage — so you're not paying for something you may never use.
• Your options narrow as you age. Health changes can disqualify you from certain policies entirely — planning ahead keeps every door open.