Federal Employees Retirement Help

What Federal Employees Retirement Help does

Federal Employees Retirement Help (legal name My Federal Retirement Help) is a privately-held retirement advisory firm headquartered in Waco, Texas, founded in 2016. It serves United States federal government employees, federal retirees, and public-school teachers, providing retirement planning advisory across the federal benefits stack: FERS and CSRS pensions, the Thrift Savings Plan (TSP) administered by the Federal Retirement Thrift Investment Board, FEGLI life insurance, FEHB health benefits, Social Security coordination, survivor benefits, and Medicare integration. A secondary segment covers teachers' 403b plan optimization.

The firm operates a freemium, sales-led go-to-market: prospective clients request a free, 1-1.5 hour comprehensive retirement review covering pension calculation, survivor benefits, TSP analysis, Social Security timing, and a personalized retirement plan; the company then assists with retirement paperwork submission to the Office of Personnel Management. Underlying technology consists of proprietary domain calculators — including a Federal Retirement Calculator and a Pension Annuity Computation tool — plus a customizable personalized retirement review report. The firm distributes through a phone-based inside-sales channel, a licensed agent network spanning 40+ U.S. states, in-person consultations at the Waco headquarters, and SEO-optimized blog and YouTube educational content.

The business model monetizes through commissions and product placement on insurance and annuity products recommended during consultations, via partnerships with providers such as Senior Life (final expense whole life insurance) and Humana (FEDVIP dental/vision referral). The firm is founder-led by Tom Hofferber, who holds the Chartered Federal Employee Benefit Consultant (ChFEBC) designation, supported by a small four-person advisory team (Eric Teagan, Timothy Barrett, Robb Fenton). The company is entirely founder-owned, with no disclosed external funding, no parent company, and a stated headcount of 1-10 employees.

Name

Federal Employees Retirement Help

Legal name

My Federal Retirement Help

Website

https://myfederalretirementhelp.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Federal Employees Retirement Help is a privately-held, Waco, Texas-based retirement advisory firm that provides freemium retirement planning and pension/TSP/FEGLI/Social Security advisory services primarily to U.S. federal government employees and public-school teachers.

Ownership category

akta.pro rank

Product category

Retirement Planning Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement Benefits & Social Security/Medicare Planning (FSAEABAI)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Federal retirement planning
• Pension advisory services
• TSP investment guidance
• FEGLI benefits analysis
• FEHB health benefits

Headquarters

HQ city

Waco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Retirement Advisory Services: The company provides free comprehensive retirement reviews to prospective clients. Revenue is generated through the sale of financial products and insurance solutions recommended during consultations, including annuities, life insurance, and investment products from partner providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Federal Employees Retirement Help provides personalized retirement planning advisory services to U.S. federal government employees and educators. The firm's flagship offering is a free comprehensive Federal Retirement Review lasting 1–1.5 hours that analyzes FERS/CSRS pension calculations, TSP investment and rollover options, Social Security timing, FEGLI life insurance, and FEHB health benefits. The company also assists with OPM retirement paperwork, pension maximization strategies, Medicare supplement planning, final expense insurance, and 403b planning for teachers, generating revenue through commissions on recommended insurance and financial products.

Product overview

My Federal Retirement Help is a federal retirement planning consultancy offering a comprehensive suite of advisory services for federal employees. The firm provides personalized retirement reviews combining pension calculation, Social Security planning, TSP guidance, FEGLI analysis, and FEHB health benefits planning. Services are delivered through individual consultations with certified advisors and supported by educational video resources. The offering is a service-based model rather than a software platform, with each service area addressing specific federal employee retirement planning needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Federal Retirement Review Comprehensive consultation service that reviews pension calculations, Social Security benefits, survivor benefits, and TSP options to help federal employees understand and maximize their retirement benefits.
• Retirement Paperwork Assistance Assistance with completing retirement packets for submission to OPM, including retirement form preparation and submission guidance.
• Pension Maximization Strategic planning to optimize pension income, including analysis of spousal options and alternative strategies to maximize retirement income.
• FEGLI Benefits Analysis Analysis of Federal Employees' Group Life Insurance options, including coverage review and recommendations for retirement transitions.
• FEHB Health Benefits Planning Guidance on Federal Employees Health Benefits program, including plan selection, Medicare integration, and survivor coverage options.
• Social Security Benefits Planning Advisory services covering Social Security retirement benefits, FERS supplement analysis, and optimal claiming strategies for federal employees.
• TSP (Thrift Savings Plan) Guidance Advisory on Thrift Savings Plan investment options, withdrawal strategies, rollover options, and fund allocation decisions.
• Final Expense Planning Legacy assurance and final expense insurance planning in partnership with Senior Life, covering funeral arrangements and life insurance for beneficiaries.
• Dental and Vision Insurance (FEDVIP) Assistance with Federal Employees Dental and Vision Insurance Program enrollment and plan comparison through BENEFEDS.
• Teachers Retirement Planning (403b) Specialized retirement planning for teachers covering 403b accounts, pension maximization, and integration with other retirement income sources.
• Medicare Supplement Planning Advisory on Medicare supplement insurance options and integration with federal retirement health benefits.

Quantifiable outcome

• Clients able to retire earlier through optimized planning (e.g., one client able to retire 1 year earlier than expected)
• +1 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Senior LifeminorOthersPartnership for final expense insurance products. The company offers Legacy Assurance Program through Senior Life, providing whole life coverage up to $30,000 for clients aged 85 and younger without medical exams.
• HumanaminorOthersReferral partnership for Humana dental and vision insurance plans. The company directs clients to Humana for alternative quotes on dental and vision coverage.
• Federal Retirement Thrift Investment Board (FRTIB)coreTechnology or IntegrationThe company works extensively with TSP (Thrift Savings Plan) administered by FRTIB, providing guidance on TSP investment options, rollovers, and fund selections including G Fund, C Fund, S Fund, I Fund, and Lifecycle funds.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• FedSmart Financial: A financial services firm that specifically markets retirement and benefit planning solutions to federal employees. Directly competes with Federal Employees Retirement Help for the same niche customer base using a similar advisory-plus-product monetization model.
• TSPGuidance: A specialist advisory focused on the Thrift Savings Plan for federal employees, offering allocation, rollover, and withdrawal guidance. Overlaps with the firm's TSP advisory product line and shares the federal-employee-only target market.
• Federal Retirement Advisors: Independent advisory practice focused exclusively on federal employee retirement planning, covering FERS, CSRS, TSP, and Social Security coordination. Closely comparable in target customer, service scope, and fee structure.

Broad incumbents

• Edward Jones: Large retail financial advisory franchise serving individual investors including federal employees with retirement income and annuity products. Comparable business model (advisor-led, commission and fee-based) at much greater scale and brand recognition.
• Northwestern Mutual: Major life insurer and wealth manager with a strong advisor network selling retirement income, life insurance, and annuity solutions. Competes with Federal Employees Retirement Help for the same client wallets on life insurance and annuity placements.
• Voya Financial: Retirement, investment, and insurance provider with strong public-sector and government plan administration capabilities. Competes indirectly via institutional retirement products and could expand into the firm's niche through digital advice.
• TIAA: Major retirement-services provider specializing in academic, nonprofit, and government segments including 403b/457 plans. Comparable to the firm's teacher (403b) and public-sector service lines and dwarfs it on scale and product breadth.
• Prudential Financial: Large life insurer and retirement provider with institutional and individual retirement income and annuity offerings that overlap with the firm's FEGLI replacement and annuity placement business.
• Fidelity Investments: National wealth manager and retirement plan provider that actively serves federal employees with TSP-adjacent brokerage, retirement planning, and rollover products. Represents the scaled incumbent the firm is differentiated against on federal benefits expertise.
• MassMutual: Large diversified insurer and financial services firm with a dedicated federal employee benefits practice. Competes with Federal Employees Retirement Help via broader product portfolios (life insurance, annuities, retirement income) and national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@myfederalretirementhelp
• Facebookfacebook.com/MyFederalRetirementHelp
• Xx.com/federalrethelp

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Federal Employees Retirement Help