It’s Not Even Close: The 30–50% Gap and Why Federal Benefits Crush the Competition

Federal salaries don't always tell the whole story. In this episode, John and Tommy take a closer look at the true value of federal employment, highlighting how benefits like pensions, FEHB health coverage, TSP matching, and survivor options stack up against the private sector. You'll learn why it could take a 30-50% higher salary elsewhere to match the federal total compensation package, and why those numbers matter when making career decisions.

Whether you’re considering a move to the private sector or simply trying to understand the full value of your federal employment, this episode provides real numbers, financial planning insights, and key comparisons. Listen in to learn how strategic planning, tax efficiency, and long-term benefit structures can make federal employment one of the most secure and rewarding career paths available.

Access the transcript at: https://www.masonllc.net/blog.htm

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What you will learn:

• What strategic planning season is. (2:40)
• What federal employees need to know when they leave their federal job in favor of the private sector. (10:20)
• Why you may have more money coming in than you think. (14:00)
• Where you may find better job security. (20:00)
• The health benefits available to federal employees. (26:15)
• Why we love working with federal employees. (35:20)
• The importance of being informed. (45:30)

Ideas worth sharing:

• “You go from feeling underpaid to feeling, maybe not overpaid, but higher paid in retirement than that private sector person. And it’s a pretty neat experience.” - Mason & Associates
• “Federal employees have like phantom income... You make $160,000 on paper, but you're making $250k and you don’t have to pay tax on that today.” - Mason & Associates
• "A $50,000 pension is like having over a million dollars in another 401(k) or TSP.” - Mason & Associates

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👉🏻 The Federal Employees Health Benefits (FEHB) Program
https://www.opm.gov/healthcare-insura...

📽️ Retiring in Uncertain Times? Avoid This Survivor Benefit Mistake
   • Retiring in Uncertain Times? Avoid This Su...  

📽️ FERS Go Bag
   • FERS Go Bag  

🎙️New Client Process and Experience
   • SPECIAL EPISODE: New Client Process & Clie...  

🤝Start Your Financial Plan
https://www.masonllc.net/Start-Your-F...

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Website: https://www.masonllc.net
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Investment advisory services offered through Mason & Associates.

The content of these videos are for general educational and informational purposes only and should not be considered specific investment, financial planning, tax planning, legal, or other professional advice. To the extent any specific investment or strategy is discussed, please note that all investments and strategies involve risk that an investor must be prepared to bear, and that the past performance of a particular investment or strategy is not indicative of its future return potential.

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