Federal retirement, planned with clarity.
You've spent your career serving the public. We help federal employees make confident decisions about their pension, TSP, insurance, and survivor benefits — with a personalized gap analysis, at no cost.
- 26+
- Years serving federal employees
- 9
- Specialized services
- National
- Practice, all stages
No cost, no obligation — phone, video, or in person.
What We Do
Federal benefits, reviewed one decision at a time
From your pension to your survivor election, each service zeroes in on the choices that shape your retirement income.
Retirement Readiness Review
A comprehensive, top-to-bottom gap analysis of your federal benefits and retirement plan.
Learn morePension & Supplement Analysis (FERS/CSRS)
Understand your FERS or CSRS pension calculation, the FERS supplement, and what they mean for you.
Learn moreTSP Strategy
Make confident decisions about contributions, allocation, withdrawals, and the TSP Modernization Act.
Learn moreFEHB/PSHB Health Insurance & Medicare Coordination
Coordinate FEHB or PSHB with Medicare so you don't overpay or overlap coverage.
Learn moreFEGLI Life Insurance Review
See whether your FEGLI coverage still fits your needs — and where it may be overpriced.
Learn moreSurvivor Benefit Planning
Protect your family's income with informed decisions on the FERS/CSRS survivor benefit.
Learn moreSocial Security Timing
Decide when to claim Social Security to maximize lifetime benefits for you and your spouse.
Learn moreVERA/VSIP Early Retirement
Evaluate an early-out offer — whether the numbers actually work for your retirement.
Learn moreDisability Retirement
Navigate the complex FERS/CSRS disability retirement process with a clear roadmap.
Learn moreWho We Help
Built for every corner of the federal workforce
Every federal career has its own rules. We plan around the specifics of yours.
FERS Employees
The three-leg system: pension, TSP, and Social Security.
CSRS Employees
A generous pension — with unique planning needs.
USPS / Postal Employees
The PSHB transition changes your health and Medicare planning.
Military
Coordinating military service with federal civilian benefits.
Law Enforcement
Special provisions, earlier retirement, and unique timelines.
Firefighters
Special-provision retirement built around a demanding career.
Air Traffic Controllers
A mandatory retirement age that demands early planning.
Spouses, Survivors & Family Members
Protecting your family's future income and benefits.
How It Works
Your path from questions to a plan
Four simple steps — and a deliverable you can act on.
Book a free consultation
Schedule a 30–45 minute, no-cost conversation by phone, video, or in person.
Share your benefits information
Send your annuity estimate, TSP statement, and insurance details so we can review your full picture.
Receive your personalized analysis
We build your gap analysis report, identifying strengths and gaps in your current plan.
Review your retirement plan
We walk through your analysis together and outline clear, prioritized next steps.
Your deliverable: a personalized gap analysis report — strengths, gaps, and prioritized next steps.
Meet Your Advisor
Jerry Lawrence
Partner & Federal Benefits Specialist
Jerry is an Army veteran with 8 years of military service, including Operation Desert Storm. After transitioning from the military, he built a 25+ year career in financial services specializing in retirement planning for federal employees.
- RIA registered in Texas with the SEC
- Insurance licensed in IL, MO, KS, MI, KY, AR, AL, DC, LA, MD, NC, SC, TN, VA
- 26 years serving federal employees
Client Stories
What federal employees say about working with us
Client testimonials — placeholder
We're collecting stories from the federal employees and families we've helped. No testimonials have been published yet.
Compensation disclosure: Blue Skye Financial is compensated through a combination of advisory fees and commissions on insurance products.
Ready to see where your federal retirement stands?
Your free 30–45 minute consultation is a working session, not a sales pitch. Let's find the gaps before retirement finds them for you.
No cost · No obligation · Phone, video, or in person