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Federal Retirement Group helps federal employees understand their benefits. Whether you are CSRS or FERS we can help. Message and data rates may apply.
Privacy Policy — Federal Retirement Group
Effective Date: August 30, 2026
Federal Retirement Group (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, and protect information obtained through our page, advertisements, lead forms, website, text messages, phone calls, and other communications. Information We Collect
When you interact with Federal Retirement Group, we may collect information that you voluntarily provide, including:
Name
Phone number
Email address
State of residence
Age or date of birth
Federal or postal employment information
Retirement-related information
Information submitted through Facebook or Meta lead forms
Other information you voluntarily provide when requesting information, quotes, consultations, or retirement assistance
We may also receive limited technical or engagement information through Facebook/Meta and other advertising or analytics platforms. How We Use Your Information
Information collected may be used to:
Respond to your request for information
Contact you regarding retirement, insurance, or financial-related products and services
Provide requested quotes, consultations, or educational information
Schedule appointments
Follow up regarding your inquiry
Send emails or text messages when you have provided appropriate consent
Improve our advertising, services, and customer experience
Maintain records and comply with applicable legal or regulatory requirements
Text Messages and Phone Calls
If you provide your telephone number and consent to be contacted, Federal Retirement Group may contact you by telephone or text message regarding your inquiry and the products or services you requested information about. Consent to receive marketing communications is not a condition of purchasing any product or service. Message frequency may vary. You may opt out of marketing text messages at any time by replying STOP. For assistance, reply HELP or contact us using the information provided below. Sharing of Personal Information
Federal Retirement Group does not sell your personal information. We may share information when reasonably necessary with insurance carriers, financial institutions, service providers, technology providers, marketing or communications platforms, or other parties involved in providing services you have requested. We may also disclose information when required by law, regulation, legal process, or governmental request. Mobile information, including phone numbers and SMS consent information, will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. Facebook and Meta
Our page and advertisements operate through Meta Platforms. Your use of Facebook is also subject to Meta's own privacy policies and terms. Federal Retirement Group does not control how Meta independently collects, uses, or processes information through its platforms. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or loss. However, no electronic transmission or storage method can be guaranteed to be completely secure. Data Retention
We may retain personal information for as long as reasonably necessary to provide requested services, maintain business and compliance records, satisfy legal or regulatory obligations, and resolve disputes. Your Choices
You may contact us to request that we:
Update or correct your contact information
Stop marketing communications
Remove you from our email or text marketing lists
Address questions regarding information we have collected about you
Certain information may need to be retained when required for legal, regulatory, compliance, or legitimate business purposes. Third-Party Services
Our communications or advertisements may contain links to websites or services operated by third parties. Federal Retirement Group is not responsible for the privacy practices of those third parties. You should review their privacy policies before providing personal information. Children’s Privacy
Our services are intended for adults and are not directed toward children under 18. We do not knowingly collect personal information from children through our marketing activities. Changes to This Privacy Policy
Federal Retirement Group may update this Privacy Policy periodically. Updates will be reflected by changing the effective date shown above. Federal Employment Disclaimer
Federal Retirement Group is an independent organization and is not affiliated with, endorsed by, or connected with the United States Postal Service, the Office of Personnel Management, the federal government, or any government agency. Contact Us
If you have questions regarding this Privacy Policy or your personal information, please contact:
Federal Retirement Group
Phone: [Phone Number]
Email: [Email Address]
Mailing Address: [Mailing Address]
For Facebook Lead Ads, I would also make sure your lead form has a separate, explicit SMS consent statement rather than relying solely on the privacy policy. That's especially important if you're going to automatically text new Facebook leads. If you give me the phone number, email, and mailing address you want to use for Federal Retirement Group, I can insert them and make this into a professional PDF plus a website-ready version you can link directly from your Facebook lead forms.
Those of you who may be low on sick leave will need short-term disability insurance.
For a great plan visit our partners at
Fed Disability Program – Disability Coverage for Federal Employees The odds of an illness of or injury causing you to miss work are extremely high. Add to this the fact that many federal jobs involve physical activity and you realize having disability insurance is just as important as health insurance.
If you would like us to set up a FERS retirement seminar in your area please post below with your city. We will follow up with you.
If you are turning 65 and looking at Medicare as a less expensive option compared to FEHB, please remember to "SUSPEND" your FEHB vs cancel so you can come back if Medicare doesn't work out.
One of our favorite quotes from one of our retirement seminar attendees who was close to retirement:
“I’m not as concerned about the return ON my money as the return OF my money!”
The sentiment of a lot of federal employees these days.
The money you have in the TSP is like chips in a casino. It’s not real money until you cash out and leave the casino.
Any of our followers who work for the USPS please like our postal page Postal Benefits Group. We have several retirement seminars scheduled across the country and you can see those dates on that page.
If you would like a retirement seminar in your area- please call the number below to pre-register. Tell your friends and once we have enough people we will set a date and notify you by mail.
The number to pre-register for the retirement seminar is 855-999-0258
Some of you are not aware that if you separate from service at age 55 or older you can take funds from your TSP under 59.5 and avoid the 10% early withdrawal penalty.
This would not apply if you rolled your funds into a private IRA. The distribution must come from the TSP to avoid the penalty prior to 59.5.
If you have questions about your TSP or you realize the limitations the TSP has in retirement we are happy to offer our assistance. If you have questions just message us through FB
Should you get the “FERS Flu” before Retirement?
I get this question at every retirement seminar. It’s a good question and if you call HR and ask their opinion you won’t get the right answer you will get the politically correct answer. If you ask your manager you won’t get an honest answer because they don’t want to deal with you not being at work right? Well here’s the nitty-gritty on should you or shouldn’t you. You can make the choice for yourself.
Let’s look at what you get for your sick leave. Starting in January of 2014 FERS employees started getting full credit for their sick leave. Prior to that they were getting 50% credit. So if a postal employee had a years worth of sick leave that would add to the calculation of his pension. Sick Leave cannot be used to meet service requirements however. So if you had 29 actual year of service and had one year of sick leave and wanted to retire at your MRA with 30 years of service you would still have to actually work the 30 years. However, once you served your 30 years you would be paid for 31 years factoring in your sick leave.
So the government uses 2,087 hours for a full year of work. Let’s look at an example to see what your sick leave is worth. If you have a high-three average salary of $56,000 each month of sick leave is worth $46/month on your pension. A full year of sick leave would ad 1% more to the employees pension. So in this case having the full year of sick leave would add $560/year to the employees pension. Let’s look at this employee taking 2 months of sick leave before he retires. How would that affect his pension? Well if 1 year of sick leave adds $560 then if we divide that $560/2087 work hours in a year then that gives you $.268/hour of sick leave. If this employee takes 160 hours of sick leave then that will affect his pension check $42.88 a year. Keep in mind the employee will get paid his full salary of $4,666 while on sick leave.
If the employee is retired 30 years he will have lost $1286 in pension payments but he made $4,666 during that one month he took off before he retired. Kind of a no-brainer huh?
David Fielder
President
Federal Retirement Group
Cell: 315-540-2802
[email protected]
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Address
Phoenix, AZ
85004
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