Transforming Financial Complexity into Retirement Clarity

Federal retirement can feel like navigating a maze—complex pension rules, constantly changing policies, and rising healthcare costs. With professional guidance, the choices you make today can help you save more for tomorrow and help you live the life you’ve worked so hard to make a reality. 

How We Help Federal Employees Like You

At Lawless Capital Group, we help you stand up to common, costly mistakes and work to help ensure your federal benefits work as hard as you have.

FERS & CSRS Navigation

Navigating FERS or CSRS can be complex, and even minor misunderstandings can lead to costly mistakes. Benefits like Social Security can also impact your retirement strategy in ways many don’t expect.


We help federal employees understand how these programs interact, calculate their long-term impact, and adjust strategies to maximize retirement income and avoid surprises.


TSP management and contribution strategies

Many federal employees underutilize the full potential of their Thrift Savings Plan (TSP). Common issues include missing out on matching contributions, concentrating too heavily in one fund, or feeling limited by the TSP’s investment options.

Optimize Contributions

Help ensure you receive the full agency match and take advantage of tax-deferred or Roth options.

Diversify Investments 

Maintain a balanced allocation aligned with your risk tolerance and retirement goals.

Expand Beyond TSP

Explore additional strategies outside the TSP to provide flexibility, tax efficiency,

and greater growth potential.

Protect Your Financial Future

  • Benefits Maximization

    Federal benefits like FEGLI, SBP, and FEHB are essential tools for protecting your family and preparing for the future.


    We have discovered that many federal employees don’t fully understand how to use them effectively.


    We help you:

    • Make informed decisions about life and survivor benefits
    • Align FEHB coverage with long-term healthcare needs
    • Maximize the value of your benefits throughout retirement

    With the right strategy, these programs can offer lasting confidence.


  • Personalized Consultation

    While all federal employees have access to the same core benefits, no two retirements are alike. We help you understand how your benefits apply to your unique situation—so they work in your favor, not against you.


    Whether you need answers to specific questions or a clearer overall picture, our team offers the one-on-one support you need to confidently prepare the retirement you’ve worked so hard to achieve.

  • Tax Minimization Strategies

    For retirees with pensions, tax efficiency strategies are often overlooked—but it’s important. While a pension provides steady income and confidence, it can also lock you into a consistently higher tax bracket throughout retirement.


    That’s why having a long-term tax minimization strategy is essential. Without one, you risk losing thousands to unnecessary taxes, dollars that could otherwise support your goals, lifestyle, and legacy.

“In retirement, every dollar matters. How do I make sure I’m being smart with my taxes?”

Tax Minimization strategies

Navigating the complexities of taxes can significantly influence your retirement savings, making effective tax minimization crucial. Tax minimization strategies focus on optimizing your financial situation by assessing and implementing tailored tax approaches. Analyzing your unique circumstances to identify effective withdrawal methods, exploring tax-loss harvesting opportunities, and leveraging tax-advantaged accounts like IRAs and 401(k)s are key elements of helping to reduce your tax burden. Through thoughtful analysis and regular reviews, you can potentially lighten your tax burden, enhance your income, and ultimately protect your financial future, allowing you to fully enjoy this rewarding stage of your life.

“Even if the market shifts, how do I ensure I have the consistent income I need to maintain my current lifestyle?”

Retirement Income Strategies

Establishing a reliable income stream during retirement is important for maintaining your desired lifestyle and achieving confidence. The retirement income services at Lawless Capital Group focus on crafting a personalized income strategy that meets your immediate financial needs while helping ensure long-term stability. Also part of this process is the assessment of your diverse income sources, including Social Security, defined benefit pensions, annuities, and investment income, to construct a well-rounded strategy that balances today’s cash flow with future needs. With flexibility and ongoing adjustments, sustainable retirement income helps empower you to embrace every moment of your adventure ahead.

Financial uncertainty doesn’t have to be a retirement certainty