Clear Guidance for Your Federal Benefits & ORA Submission.

Clear Guidance for Your Federal Benefits and ORA Submission - Schedule Your Retirement Application Review Now!

If you're retiring from federal service in 2025, you're likely wondering how everything fits together — your FERS pension, TSP, FEGLI, and now the new Online Retirement Application (ORA).

We help federal employees like you:

→ Understand your full retirement picture

→ Submit your ORA accurately and on time

→ Avoid delays, confusion, or missed benefits

Our service is completely free, with no pressure or obligation — just clear, step-by-step support so you can retire with confidence.

Retiring from Federal Service?

Let's make it simple.

Get personalized answers to your retirement questions — including FERS, TSP, FEGLI, and the new ORA process — in a free, no-pressure consultation.

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We Specialize in Federal Retirement — So You Can Focus on What Matters!

From income gaps to FEGLI coverage, our retirement guidance helps federal employees retire with clarity, confidence, and control.

TSP Income Strategy

Turn your TSP into predictable monthly income — without overspending or running short later in retirement.

Pension & Survivor Benefits

We’ll explain your FERS pension payout and survivor benefit options — so you can make the right choice for you and your family.

FEGLI and Life Insurance

Unsure what to do with your federal life insurance in retirement? We’ll show you what to keep, cut, or supplement — and why.

Retirement Timeline

Learn exactly what to do before filing for retirement — and avoid delays, mistakes, or missed deadlines that could cost you.

Here’s What You’ll Learn In Your Retirement Session

We’ll answer your biggest questions — all in one clear, personal, no-pressure meeting.


Topics We’ll Cover:


– Your FERS pension estimate


– TSP rollover or withdrawal strategy


– FEGLI: what to keep, cut, or supplement


– Survivor benefit options and critical deadlines


What to Expect:


No sales pitch.


No pressure.


Just honest guidance — built around your numbers.

Why Federal Employees Trust Us With Their Retirement

We help federal employees retire with clarity and control. Our proven process simplifies your pension, TSP, and life insurance — so you can make confident decisions and enjoy the retirement you earned.

  • Personalized FERS pension analysis

  • TSP rollover and withdrawal guidance

  • Life insurance review (FEGLI and private options)

  • Retirement Timeline and GRB Platform Assistance

Christopher and Ally Lee

Co-Founders & Retirement Specialists,

Independence Benefits

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Disclaimer: Independence Benefits LLC is not affiliated with or endorsed by any government agency.

Information is for educational purposes only and does not constitute financial, legal, or tax advice.

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