Federal employees approaching retirement face a decision that can cost or save them $50,000 or more over a 20-year retirement.
tsp
TSP Annuity vs. Commercial SPIA: The $50,000 Decision Every Federal Retiree Faces
Federal Retire Stack
AI-powered FERS/CSRS pension analysis, survivor election math, TSP strategy, and annuity matching.
RetireStack Report
Want a personalized retirement readiness score?
Get your full $19 report — covers FERS annuity, TSP strategy, Social Security timing, and more. Instant results, no account required.
Get My Report — $19 →
Free RetireStack Tools
Get Weekly Retirement Intelligence
Join The Retire Stack newsletter — Social Security updates, Medicare guides, expat insights, and more.