The Federal Employee's Financial Playbook — built around your benefits, your timeline, your retirement.
Tier 2
+ $6.50 shipping for physical book
The practical retirement roadmap built specifically for federal employees. FERS, TSP, FEHB, HSA, Medicare coordination, and more — in plain language you can actually use.
Tier 1
+ $6.50 shipping for physical book
The complete package — the paperback shipped to your door plus the digital Retirement Readiness Checklist delivered straight to your inbox. Everything you need in one order.
Tier 3
Already have the book? The preparation guide that walks federal employees through the key moves before retirement — one step at a time.
Physical books ship within 7–14 business days. Digital products delivered instantly by email as downloadable PDFs.
Questions? hello@stoneroseholdingsllc.com
Free Federal Retirement Guides
Plain-language guides on the decisions that shape your retirement — free to read, no email required.
Eligibility
When Can a Federal Employee Retire?
Find your MRA, the age-and-service rules for a full annuity, and the MRA+10 trap.
The Big Picture
FERS, TSP & Social Security
The three-legged stool — what each leg does and how they combine into one income.
Before 62
What Is the FERS Supplement?
The bridge payment that lets many feds retire before Social Security begins.
Working in Retirement
FERS Supplement Earnings Limit
How much you can earn before your supplement is reduced — and what doesn't count.
2026 Status
Is the FERS Supplement Being Eliminated?
No — but here's what happened, who it would affect, and how to plan.
Health Coverage
Keeping Your FEHB in Retirement
The 5-year rule, the immediate-annuity gate, and the Medicare-at-65 decision.
The Math
How the FERS Pension Is Calculated
High-3 × years × multiplier — and how sick leave and the 1.1% rule boost it.
TSP Strategy
Traditional vs Roth TSP
Pay taxes now or later — plus the 2026 RMD, catch-up, and conversion rules.
Timing
The Best Dates to Retire
End of month, pay period, and leave year — and the standout 2026–2027 dates.
Free Tool
FERS Retirement Calculator
Put every guide into practice — estimate your pension and full retirement income in minutes.