Frequently Asked Questions

Navigating Your Path to a Secure Retirement
the dome of a building with a clock on it
the dome of a building with a clock on it


  • How long are the appointments? -- Generally 1 hour for a regular retirement appointment. For medical retirements there is one appointment for 1 hour and a second appointment that is 2 hours.

  • Do I need to bring all of my forms? -- Yes, gather as much information as possible to ensure the most accurate calculation. If you are unable to find a form we will do our best to work around it.

  • May I bring my spouse with me to my appointment? -- Yes, it is definitely best to bring your spouse. There is a vast amount of information that we will cover, so it is helpful to have someone there with you.

  • What if I decide not to retire immediately? -- That is perfectly okay. We can keep your information on file. When you do decide you are ready give us a call and schedule an appointment, complete the forms in a short 15 minute appointment so you can turn them in a timely manner.

  • I came and saw you a few years ago for a calculation, my pay and other things have changed and I am curious what I would make in retirement now. Can you recalculate my projected retirement now with the new information? -- Yes, I can recalculate your information and give you an updated retirement projection with a fee of $50.00 payable with cash or major credit cards.

  • Can you calculate my sick leave balances? -- Yes, I can tell you what left over sick leave you will have to use before retirement.

  • Can you calculate CSRS offset? -- Yes, that is a regular calculation we help with.

  • Can you provide information on military buyback? -- Yes, I will provide the forms and the information for you to complete the buy back process.

  • How soon before retirement should I have you calculate my retirement? -- 1 year to 6 months is an ideal time frame. However, the sooner the better.

  • If you I live out of state or will be out of town how do I handle my appointment needs? -- If you live out of state or will be out of town we will be in contact through a phone appointment, you will mail all of the required documents through certified mail and we can continue the retirement process.

USA flag hanging on the window
USA flag hanging on the window

Before Your Appointment:

  • Call to schedule an appointment.

  • You will then receive an email with instructions and document checklists you will need to complete the retirement process.

  • In the event of a needed reschedule call as soon as possible.

During Your Appointment:

  • I will review the documentation and calculate the amount of your retirement.

  • If you plan on retiring within 90 days of your appointment I will fill out your retirement paperwork and send you home with it at that appointment slot.

  • If you are planning retiring outside of 90 days of your appointment I will fill out your retirement paperwork and schedule another appointment for a time that is closer to your retirement date.

During Your Appointment:

  • Send the signed packet to your correct federal office for your retirement.

  • Wait 3 to 5 months for your full check after the retirement is finalized.


The information given to you in your calculation, illustrates estimates of cost and benefits for the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS), Federal Employees Group Life Insurance (FEGLI), Federal Employees Health Benefits Program (FEHB), Long Term Care (LTC) Insurance, Social Security System benefits, and the Thrift Savings Plan (TSP). Some estimates are based on assumptions, which may affect the results, and may differ from actual experience. Since future costs and benefits cannot be estimated with absolute certainty, you should not base your financial decisions solely on the estimates of this report, and it is recommended to consult with your personnel office or the Office of Personnel Management (OPM), Retirement Information Office 1-888-767-6738. Adele's Federal Retirement Consulting cannot provide retirement analysis and decision information to you. The analysis is provided 'AS IS' without warranties of any kind (including the implied warranties of merchantability and fitness for a particular purpose). No oral or written information or advice provided by Adele's Federal Retirement Consulting and its agents or employees shall create a warranty of any kind regarding this analysis, and you may not rely upon such information or advice. Neither Adele's Federal Retirement Consulting nor anyone else who has been involved in the creation, production, or delivery of this analysis shall be liable for any direct, indirect, consequential, or incidental damages (including, but not limited to, damages for loss of business or personal profits, business or personal interruption, and loss of business or personal information) arising from the use of (or inability to use) this analysis.