Federal Employee Divorce Planning
Your federal benefits deserve federal expertise.
FERS, CSRS, TSP, FEHB, and COAP rules are fundamentally different from military retirement. We provide financial analysis built specifically for civil servants and the spouses who stand beside them.
Why This Matters
A standard divorce analysis won't protect your federal retirement.
Federal benefits are governed by OPM regulations, not state law alone. A Court Order Acceptable for Processing (COAP) must meet precise federal requirements — and OPM will not correct a defective order after it is entered.
Whether you are a FERS employee, a CSRS retiree, or the spouse of a federal worker, the decisions you make about your annuity, TSP, and health coverage are permanent. We help you make them with clarity.
Your Benefits, Understood
Federal retirement follows a different rulebook.
OPM will not correct a poorly drafted COAP after the fact. Every federal benefit — from your FERS annuity to your TSP balance to your health coverage — carries permanent, irrevocable decisions. We help you see the whole board before you make a move.
FERS & CSRS Pensions
Your federal annuity is divided by a Court Order Acceptable for Processing (COAP) — not a standard QDRO. We model the marital fraction, high-3 salary, and COLA impact so the split is equitable and the order language is airtight.
Thrift Savings Plan (TSP)
TSP division requires a Retirement Benefits Court Order specifying whether funds transfer as a tax-free rollover or a taxable distribution. We analyze loan balances, growth projections, and tax consequences before you agree.
FEHB & FEGLI Coverage
Federal Employees Health Benefits can continue for a former spouse only if a former-spouse annuity is elected through the COAP. We help you weigh the cost of maintaining coverage against private alternatives.
Survivor Annuity Elections
Without a survivor annuity election, an ex-spouse receives nothing if you pass first. We model the up to 10% monthly reduction against long-term security so the decision is informed, not rushed.
Military Service Credit
If you served in the military before your federal career, that service time may be deposited into FERS for retirement credit — but it cannot be counted twice. We coordinate COAP and military pension division to prevent duplicate or forfeited benefits.
Social Security & FERS Supplement
The FERS annuity supplement and Social Security coordination carry their own divorce implications. We project how spousal benefits, offsets, and eligibility ages affect your long-term income.
Also served in the military?
Your dual coverage creates overlapping retirement credits that require careful coordination.
How We Work
A process built around federal retirement rules.
OPM does not correct mistakes. Our process is designed to get the COAP language, TSP division, and survivor elections right the first time — protecting decades of federal service value.
Assess Your Federal Benefits
We inventory your FERS or CSRS annuity, TSP balance, FEHB coverage, FEGLI, and any military service credit to establish a complete picture of what is at stake.
Model Division Scenarios
We project how different COAP structures, TSP transfer methods, and survivor annuity elections affect both spouses — in dollars, not generalities.
Project Long-Term Impact
We model retirement income, Social Security coordination, and health coverage continuity over decades so you understand the true cost of each settlement option.
Guide Your Attorney
You leave with a defensible financial plan and specific COAP language guidance your attorney can use to draft court orders that OPM will accept.
Service & Fee Structure
Three tiers, matched to your federal career.
Every federal divorce is different. Our tiered structure ensures you receive the right level of analysis for your retirement system, grade, and case complexity — no more, no less.
Consultation
Federal Employees Exploring Divorce
For civil servants or federal employee spouses who need a baseline assessment of their FERS, TSP, and benefit situation.
Comprehensive Blueprint
Mid-Career Federal Employees
For FERS or CSRS employees who need a comprehensive financial divorce plan covering every federal benefit and division scenario.
Complex Case
SES, Senior Officials & Complex Cases
For Senior Executive Service (SES), high-grade officials, high net worth individuals, or highly contested federal divorce cases with complex asset cross-overs.
Your $299 Strategy Session fee is credited toward your Blueprint if booked within 30 days.
Free · No obligation consultation
Educational purposes only. Not legal advice. Not tax advice. Results vary based on individual circumstances. Please consult qualified legal and financial professionals regarding your situation.
Your Next Mission
Take command of your financial future today.
Whether you served or stood beside someone who did, begin with the free, confidential assessment — or speak directly with a Veteran divorce financial strategist who understands what's at stake.