PWR Retirement Group is a financial planning firm that helps federal employees and veterans across the United States and Puerto Rico prepare for a secure and confident retirement. We specialize in federal benefits and make complex retirement decisions easier to understand and manage.
We create personalized financial strategies based on where you are in your federal career, whether you’re just starting out, mid-career, or getting ready to retire, so you can avoid costly mistakes and make confident decisions every step of the way. Whether you’re looking to grow your Thrift Savings Plan (TSP), understand your federal life insurance, or transition into retirement through the Office of Personnel Management (OPM), we guide you every step of the way.
Our Core Services
- Thrift Savings Plan (TSP): We help you optimize your TSP contributions, choose the right investment mix, and align your portfolio with your future income needs—maximizing one of your most powerful retirement tools.
- TSP Distribution Options: As you approach retirement, we walk you through your TSP withdrawal options in retirement, helping you choose sustainable, tax-efficient strategies that deliver reliable income without penalty.
- Federal Life Insurance: We offer comprehensive support in evaluating and selecting life insurance solutions tailored to federal employees and veterans:
- Federal Employees' Group Life Insurance (FEGLI): Term life insurance with optional coverage tiers.
- Veterans' Group Life Insurance (VGLI): Post-service coverage with no medical underwriting if you enroll early.
- Servicemembers' Group Life Insurance (SGLI): Affordable coverage for active-duty members and their families.
- Term Life Insurance: Short-term protection ideal for temporary financial needs.
- Indexed Universal Life (IUL): Permanent coverage with market-linked cash value growth.
- Guaranteed Universal Life (GUL): Lifetime protection with fixed premiums and a guaranteed death benefit.
- Whole Life Insurance: Long-term protection that builds cash value over time.
- Office of Personnel Management (OPM): From pension calculations and annuity structuring to survivor benefits and retirement paperwork, we help you navigate your OPM retirement process with clarity and confidence.
- Rollover: If you're changing careers or retiring, we offer secure, compliant rollover services to help you move your TSP or federal retirement funds into IRAs or other investment vehicles, preserving your tax advantages and maximizing long-term growth.
Why Choose PWR Retirement Group?
- Federal Benefits Expertise – Our deep understanding of TSP, FEGLI, OPM, VA, and related programs ensures you receive advice that’s both accurate and strategic.
- Customized Planning – Every financial plan is built around your career stage, family needs, and future goals.
- Trusted Leadership – Led by founder Jonathan Pacheco, a recognized member of the Million Dollar Round Table (MDRT), a global benchmark of excellence in financial advising.
- Relationship-Driven Service – We value long-term partnerships over transactions, offering ongoing guidance as your life evolves.
- Proven Track Record – We’ve helped thousands of federal employees and veterans create retirement plans that work—for today and the future.
Let’s Plan Your Future Together
Your years of public service deserve a retirement plan that works just as hard for you. We offer personalized guidance to help you navigate your federal benefits and retire with confidence. Schedule your consultation today and take the first step toward a more secure financial future.
