Free Resource — 2026 Edition

Your Federal Benefits
Have Gaps You
Don't Know About

FERS, FEGLI, and TSP were designed for the average federal employee. This free report identifies the 7 areas where your coverage may fall short — and what to do about each one before you retire.

7 critical gap areas covered
Free — no credit card
Instant download
Free gap calculator included
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2026 Edition
Federal Benefits
Checkup Report
1
FEGLI Premium Trap
2
Disability Income Gap
3
TSP Red Zone Risk
4
Inflation Erosion
+
3 more gaps inside...
9-page briefing · PDF FREE
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60%
Income replaced by FERS Disability
— before it drops to 40%
10%
Of your gross pension deducted
for SBP — every month, for life
5+
Years retirement can be delayed
by Red Zone market timing risk
Inside the Report

What You'll Walk Away With

01
A Plain-English Gap Analysis
No jargon. Each of the 7 gaps is explained clearly — what most employees assume, what's actually true, and why it matters.
02
Self-Check Questions
Each section includes a specific question to help you evaluate your own situation — not a generic one-size-fits-all answer.
03
The "Benefit Parity Gap" Concept
Understand the difference between the retirement you planned for and the one your current benefits actually provide.
04
Clear Next Steps
Every gap section ends with a specific next step — no vague advice, just a concrete action tied to your situation.
+
Free Gap Calculator
After the report, use the free interactive calculator to get your personal Benefit Parity Score — specific to your age, salary, and benefit setup.
The 7 Gaps

What the Report Covers

1
FEGLI Premiums Don't Stay Level
Age-based pricing that can double by the time you need coverage most
High Exposure
2
Disability Doesn't Replace Full Income
The 6–12 month "Dark Period" most employees have never heard of
High Exposure
3
TSP Red Zone Market Timing Risk
How a bad year before retirement can delay your exit by 5+ years
High Exposure
4
Inflation Erodes Your Fixed Pension
Your $4,000/month pension may feel like $2,200 in 20 years
Moderate
5
Over-Reliance on TSP as Your Only Vehicle
Tax concentration risk when every dollar you need is taxed
Moderate
6
The Survivor Benefit Cost You May Have Missed
SBP costs 10% of your gross pension — for life. Is it the right choice?
High Exposure
7
No Personal Strategy Connecting It All
Three programs that operate independently — and the gap between them
High Exposure
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