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At The Federal Retirement Expert, we believe retirement planning is about more than numbers – it’s about understanding your unique situation and offering tailored solutions to meet your goals.
With years of experience navigating the complexities of federal benefits, we’re here to help you every step of the way
Gain clarity on your retirement options with our comprehensive benefits review.
Maximize your Social Security for long-term financial health.
Navigate Healthcare ~ Medicare with ease and make the right choices for your healthcare
Ensure your nest egg lasts a lifetime with expert guidance on the decumulation phase.
I’m Scott Heitkemper, a certified specialist with deep expertise in federal benefits, Social Security, and Medicare. As someone committed to your financial well-being, I’ve helped numerous federal employees confidently step into retirement, ensuring they have a plan tailored for their future. I don’t believe in one-size-fits-all solutions – instead, I offer personalized guidance to help you thrive long after your federal career.
Scott Heitkemper has spent over 15 years helping federal employees navigate the complex world of federal retirement benefits, Social Security, and Medicare. As 'The Federal Retirement Expert,' he is a trusted authority, providing federal workers with the guidance they need to retire confidently. But Scott’s journey to becoming a national expert in federal retirement planning didn’t begin in the halls of Congress or an office in Washington, D.C.—it began in the small town of Prentice, Wisconsin.
Growing up in a blue-collar family, Scott witnessed the pressures that come with financial uncertainty. His parents worked hard to provide, but the weight of financial insecurity often loomed over them. Watching his family struggle to make ends meet left a lasting impression on Scott and ignited his desire to understand the financial systems that could either support or strain a family.
After years of education and experience, Scott discovered his calling: to help federal employees—those who serve our country—retire with the security and confidence they deserve. He founded The Federal Retirement Expert to provide expert guidance in the areas of federal retirement, Social Security, and Medicare, offering customized solutions for FERS, CSRS, and other federal benefit systems.
Scott’s personal mission is to ensure that no federal employee has to face retirement without a clear plan. He knows that navigating federal benefits can be overwhelming, especially for employees nearing the end of their careers, and he has dedicated his career to making the process easier. Through his extensive knowledge of federal systems, Scott educates his clients on how to maximize their benefits, avoid common pitfalls, and create a retirement strategy that aligns with their long-term goals.
At the core of The Federal Retirement Expert is Scott’s commitment to empowering others. He believes that with the right education and resources, federal employees can secure their futures and leave a legacy for their families. His firm takes a personalized approach, ensuring that each client’s unique circumstances are considered when developing a retirement plan.
Through his work, Scott has helped countless federal employees retire with peace of mind, knowing they have the knowledge and support to navigate their benefits effectively. With The Federal Retirement Expert and Scott Heitkemper Wealth, Scott’s mission remains the same: to provide federal employees with the tools they need to enjoy a retirement that reflects their years of dedicated service.
Education stands as the cornerstone of a Federal employee's benefits package, especially when contemplating retirement. Crafting a comprehensive retirement plan is vital, and the expertise of a Trusted Federal Retirement Consultant is invaluable in maximizing the benefits available to FERS, CSRS, and employees across federal agencies.
Adherence to the guidelines laid out in OPM Benefits Administration Letters (BAL 06-202 and BAL 14-206) is crucial. These directives aim to prevent misleading information or deceptive sales practices regarding insurance that could affect Federal employees. Striving to strictly conform to these guidelines ensures accurate information and support in benefit consultations for Federal employees.
By following these regulations and leveraging expert guidance, Federal employees can gain a better grasp of their benefits package, allowing them to optimize it effectively and create a more secure and well-structured retirement plan.
Navigating Your Federal Retirement Just Got Easier! Whether you're approaching retirement or already living it, we provide the insights and tools you need for confident decision-making.
Here's what we're focusing on right now:
1️⃣ Optimal Retirement Dates: FERS or CSRS, we've got you covered with strategic timing tips.
2️⃣ TSP Mastery: Nail the timing of your Thrift Savings Plan contributions like a pro.
3️⃣ Thrift Savings Plan Modernization Act: Unlock the full potential of your TSP benefits with the latest changes.
4️⃣ SECURE & CARES Acts Impact: Stay ahead of the game with insights on RMDs under new legislation.
5️⃣ Option B Premium Hike: Understand the post-retirement increase and navigate it wisely.
6️⃣ FEGLI Coverage Costs: Explore how costs shift, especially after hitting the 50 mark.
7️⃣ Fund Updates & More: Get the scoop on L-funds and other key changes shaping your retirement landscape.
Our Mission: To empower you with clear, personalized education and expert guidance that aligns with your unique needs. Together, we’ll turn your retirement dreams into a reality—financially secure and stress-free.
At Federal Retirement Expert, we’re not just advocates – we’re your retirement masterminds, crafting a blueprint for your financial future. Here’s how we set you up for unparalleled success:
Masterminding Financial Security: We don’t settle for peace of mind; we build a fortress of financial stability designed to withstand any storm, ensuring you not only survive but thrive at every stage of your retirement journey.
Decoding Complexity with Confidence: As true masterminds, our experts cut through the clutter, navigating the intricate maze of retirement planning with unmatched clarity, precision, and insight.
Setting New Standards, Empowering You: Excellence is our baseline, not our peak. With unwavering integrity and a passion for your success, we redefine what it means to prepare for retirement.
Choosing a retirement partner isn’t just about expertise – it’s about finding a mastermind dedicated to your lifelong success. Join us at Federal Retirement Mastery, where your future isn’t just secure; it’s expertly designed to be extraordinary
Chinese Proverb
The Retirement Deception" is a must-watch film that breaks down what it really means to live a dream retirement. With Brett Kitchen and Ethan Kapp traveling across the country, they uncover the truth about achieving a successful retirement in a surprisingly entertaining way. As a producer, my goal is to bring stories
Excellence:
"I am committed to delivering exceptional service and expertise, always striving for the highest level of performance."
Integrity:
"With an unwavering commitment to honesty and transparency, I ensure that your best interests are at the forefront of every decision."
People-Centric Approach:
"My focus is entirely on you – your goals, your well-being, and creating a retirement plan that supports your unique journey."
SERVING FEDERAL EMPLOYEES NATIONWIDE
OXNARD, CALIFORNIA
The Office of Personnel Management requires Federal agencies to accept ‘the primary responsibility for the delivery of retirement financial education to their employees and for supporting financial literacy’. ‘Each agency must develop a retirement financial education plan’ that ‘targets employees at a minimum of three career points: new employee, mid-career, and pre-retirement’. (5 U.S.C. 8350)
Important Notice:
The Federal Retirement Expert, Scott Heitkemper is not affiliated with any government agency, including but not limited to the U.S. Office of Personnel Management (OPM), Social Security Administration (SSA), or Medicare. Services provided are independent of the government and are intended to assist federal employees and retirees in understanding their benefits.
Copyright Notice:
© [2024] Scott Heitkemper. All rights reserved. This communication, including any attachments, is the property of Scott Heitkemper The Federal Retirement Expert and is protected by copyright law. No part of this communication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the copyright owner.
California License #0G77922
Licensed in Multiple States
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