But my journey didn’t start in Washington, D.C.—it began in Prentice, Wisconsin, a small town where I learned firsthand the challenges of financial uncertainty. Growing up in a blue-collar family, I saw the struggles that come with financial insecurity and knew there had to be a better way.

That realization shaped my mission:

To help those who serve our country retire with confidence, clarity, and a plan.

That’s why I developed The Federal Summit Strategy™, a step-by-step approach to ensure federal employees maximize their benefits, avoid common pitfalls, and create a retirement strategy that works for them.

At The Federal Retirement Expert, I focus on:
✅ Federal Benefits Optimization – FERS, CSRS, FEHB, TSP, and more.
✅ Social Security & Medicare Integration – Making sure you don’t leave money on the table.
✅ Retirement Income Strategies – Ensuring your nest egg lasts.

My goal is simple: No federal employee should face retirement without a clear plan. Whether you’re 5 years from retirement or already retired, I’m here to help you navigate your benefits with ease.

The Federal Summit Strategy™

A Smarter Way to Secure Your Future

Federal employees face unique retirement challenges—complex benefit structures, changing policies, and critical financial decisions that can impact their income for life. The Federal Summit Strategy™ is designed to simplify these complexities, providing a clear roadmap to retirement success.

What is The Federal Summit Strategy™?

A step-by-step process that ensures you:
✅ Understand Your Federal Benefits – Pension (FERS/CSRS), TSP, Social Security, and FEHB.
✅ Identify Gaps & Opportunities – Avoid mistakes that could cost you thousands in retirement income.
✅ Implement a Strategic Plan – Ensure your money lasts, your healthcare is secure, and you retire with confidence.

This is not a sales pitch. This is a federal retirement blueprint, built to empower you with knowledge and strategy.

Retirement Shouldn’t Be Guesswork

Most federal employees aren’t sure if they’re maximizing their benefits—or worse, they don’t know the risks of making the wrong choices.

The Federal Summit Strategy™

puts you in control.

Maximizing Your Pension:

Learn how to get the most from FERS or CSRS.
TSP Withdrawal Strategies:

Avoid tax pitfalls and stretch your retirement dollars.
Social Security Timing:

Claim at the right time for maximum lifetime benefits.
FEHB & Medicare Coordination:

Don’t let healthcare surprises derail your plan.

Option B Premium Hike:

Understand the post-retirement increase and navigate it wisely.

FEGLI Coverage Costs:

Explore how costs shift, especially after hitting the 50 mark.

Fund Updates & More:

Get the scoop on L-funds and other key changes shaping your retirement landscape.

With my expertise, you’ll replace confusion with clarity and retire with confidence.

DOES YOUR ADVisor know your benefits?

When you need to Get the Correct Information on your retirement

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.

Disclaimer

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.

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THE FEDERAL RETIREMENT expert

Mastering Your Retirement with The Federal Summit Strategy™

The Federal Summit Strategy™

Meet Scott Heitkemper – The Federal Retirement Expert