About

About Warrior Retirement

Mastering the Federal Frontline

Warrior Retirement is a tactical education resource for the people who keep the country running — the federal employees, CSRS and FERS retirees, and disabled veterans navigating one of the most complex benefit systems in the world.

Our Mission

"To help every federal employee retire with confidence, clarity, and the maximum benefits they've earned through their service."

Why We Exist

Federal retirement is one of the most generous — and most poorly explained — benefit systems in America. FERS, CSRS, TSP, FEHB, FEGLI, the 1.1% multiplier, the FERS Supplement, military buyback, survivor benefit elections, Roth conversions, Social Security timing — every one of these decisions can swing your lifetime retirement income by tens of thousands of dollars, and most of them are explained in a 20-minute HR briefing on your last day of work.

That isn't good enough. Federal employees deserve detailed, current, tactical information that respects their intelligence and their service. Warrior Retirement exists to close that gap.

What We Cover

📚 Our Core Topics

  • FERS & CSRS pension strategy
  • TSP allocation & withdrawals
  • Social Security timing
  • FEHB & Medicare coordination
  • Federal disability retirement
  • SSDI application & appeals
  • Military buyback & deposits
  • Survivor benefit elections
  • Roth TSP conversions
  • State tax planning for retirees
  • OPM application process
  • 2026 legislative updates

Our Principles

🎯Tactical, Not Theoretical

Every article includes real numbers, worked examples, and specific dollar amounts — not vague advice. We show you the math, then explain what it means for your situation.

🛡Verified & Current

Federal benefit rules change every year. We update our guides against official TSP bulletins, OPM publications, IRS tables, and SSA figures for the current year.

📖Educational First

We don't sell financial products. We're not financial advisors. Our job is to explain the rules clearly so you can make your own informed decisions or bring the right questions to your advisor.

🤝Respectful of Your Service

Federal employees and veterans built careers serving the country. Our content is written with the respect and seriousness that service deserves — no gimmicks, no clickbait.

Who We Write For

Our audience is the federal employee or retiree who wants to understand the why behind every benefit decision. You might be:

  • A FERS employee 5 to 10 years from retirement, trying to understand the 1.1% multiplier, the FERS Supplement, and the right Social Security timing.
  • A CSRS retiree navigating FEHB, Medicare coordination, and state tax planning.
  • A federal employee facing a health issue and considering FERS Disability Retirement.
  • A disabled veteran also receiving federal benefits and trying to maximize both.
  • A surviving spouse trying to understand annuity continuation and benefit options.
  • A mid-career federal employee wanting to build TSP wealth aggressively for early retirement.

Wherever you are in your federal career, our goal is the same: give you the clearest, most practical explanation of your options so you can make decisions with confidence.

Our Editorial Standards

Every Warrior Retirement article follows a consistent standard:

  • Verified numbers. Contribution limits, COLAs, pay tables, and tax brackets are cross-checked against official government sources.
  • Current as of the publication date. Every article includes a clear publication or last-updated date.
  • Specific examples. We use named (fictional) examples with real math so you can see how the rules apply to realistic situations.
  • Clear disclosures. We state plainly when something is general education vs. a specific recommendation — and we remind readers that we're not licensed advisors.
  • No affiliation with government agencies. We're independent. We're not affiliated with OPM, the TSP, SSA, the VA, or any federal agency.

Start Reading

Dive into our most-read guides or explore our free retirement calculators.

Read the Blog Free Calculators

Get in Touch

Have a question about a guide? Spot an error? Want to suggest a topic? We read every message. Visit our Contact page to reach the editorial team.

Important Disclosure: Warrior Retirement is an independent educational publication. We are not financial advisors, attorneys, or tax professionals, and nothing on this site constitutes legal, tax, or financial advice. Federal benefit rules change frequently and vary by individual circumstance — always verify your situation with your agency HR, OPM, the Social Security Administration, or a qualified professional before making retirement decisions. Warrior Retirement is not affiliated with any U.S. government agency, department, or program.

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