How to Maximize Your FERS Benefits in 2026 (Pension, TSP, Social Security & FEHB)

Federal employees have some of the best retirement benefits available, but only if you know how to use them correctly. In this episode of Federal Benefits Explained, Andrew McNair walks through how to maximize your FERS benefits in 2026 by coordinating the five pillars of your federal retirement: your pension, TSP, Social Security, Special Retirement Supplement, and health and insurance benefits.

Many federal retirees unintentionally leave income or coverage on the table simply because they do not understand how these benefits work together. This episode is designed to replace confusion with clarity and help you make confident decisions before you file your retirement paperwork.

You will learn:

• How to determine if you qualify for a full, unreduced federal pension
• When the 1.1% pension multiplier applies and whether working longer is worth it
• How much to realistically save in the TSP, even if you are late in your career
• Why being too conservative in the G or F Fund can increase long-term risk
• How to think about Roth vs Traditional TSP contributions in today’s tax environment
• How to coordinate Social Security with the FERS Supplement and spousal benefits
• What you must do to keep FEHB into retirement
• How to approach FEGLI as costs rise with age

Andrew also explains why a personalized Federal Benefit Report is the most important step you can take before retiring, helping you see your benefits clearly before you check the boxes that cannot be undone. If you are a FERS or CSRS employee planning to retire in 2026 or beyond, this episode will help you protect what you have worked decades to earn.

Schedule your complimentary Discovery Visit using the link below: https://calendly.com/swancapital_/nocostconsultation

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email [e-mail]

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If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.