Laid Off from Your Federal Job?
Protect Your Future with Confidence
FBB Capital Partners helps federal employees navigate layoffs, protect their benefits, and plan what’s next with confidence.
Federal Layoffs Move Fast — Make the Right Financial Moves Now
Federal layoffs are happening quickly — and they can impact your TSP, pension, and future income. We’ll help you understand your options and make smart financial decisions before it’s too late to act.
TSP Rollover Guidance
Know your options. Avoid taxes and penalties.
Early Retirement Planning
Evaluate buyouts, age factors, and pension impact.
Income Protection Strategies
Avoid gaps in coverage and income post-layoff.
Understanding the Federal Retirement Income “Three-Legged Stool”
For most federal employees, retirement income comes from three sources: your FERS or CSRS pension, Social Security, and your Thrift Savings Plan (TSP). A layoff can shift this balance — we help you plan ahead and manage potential income gaps with confidence.
Advisors Who Understand Your Federal Benefits
We’ve guided countless federal employees through layoffs, early retirement, and major financial decisions — and we’re here to help you move forward with clarity and confidence.
✅ Expert guidance on TSP rollovers and withdrawals
✅ Clear insight into your FERS or CSRS pension options
✅ Support evaluating buyouts and severance packages
✅ Early retirement and transition planning
✅ Independent, fee-only fiduciary advice
Get Expert Financial Guidance for Your Next Step
Whether you’re planning early retirement, rolling over your TSP, or just weighing your options — we’re here to help you make smart, confident decisions after a federal layoff.
Talk to an Advisor About Your Options
Helping Federal Employees Navigate Layoffs with Confidence
FBB Capital Partners prides itself on a highly credentialed team of fiduciary advisors with deep experience in retirement planning, investment management, and federal benefit systems. Our team leverages decades of insight to help federal employees make informed, confident decisions during times of career transition.
Whether you’re evaluating a buyout, rolling over your TSP, or planning early retirement, our disciplined, team-based approach is designed with the goal of exceeding your expectations — as true financial partners committed to your long-term success.
FBB’s Senior Portfolio Management Team
Frequently Asked Questions
What happens to my TSP when I get laid off?
Your TSP remains in place, but you’ll have several options — including rolling it over into an IRA, leaving it where it is, or taking a distribution. Each has pros, cons, and tax implications. We’ll help you choose what’s best for your situation.
Can I retire early if I accept a federal buyout?
In some cases, yes — but it depends on your years of service, age, and the specific buyout offer. We’ll walk you through the numbers and show how it could affect your pension and long-term financial plan.
Is now the right time to make a move?
If you’ve been notified of a RIF, buyout, or early retirement window, timing matters. The sooner you understand your options, the more choices you’ll have — and the better positioned you’ll be to protect your financial future.
What does a free consultation include?
You’ll speak directly with a fiduciary advisor who understands federal retirement systems. We’ll review your situation, answer your questions, and outline clear next steps — no pressure, just guidance.
What if I’m not retiring — can you still help?
Yes. Whether you’re rolling over your TSP, deciding what to do next, or want a second opinion, we’re here to help federal employees make smart, informed financial decisions — retirement or not.
Do I need to make these decisions right away?
Some decisions — like whether to accept a buyout — are time-sensitive. The sooner you understand your options, the more control you’ll have over your financial future.
Let’s Talk About Your Next Financial Move
We’re here to guide you from TSP rollovers to buyouts and beyond.
There’s no obligation — just clear answers and expert guidance built around your goals.