Effective: September 14, 2026
All content published in the Fed Options Members Portal — including articles, guides, white papers, HR letter templates, calculators, video courses, and news feeds — is provided for informational and educational purposes only. Nothing in the portal constitutes investment advice, tax advice, legal advice, or a recommendation to purchase or sell any financial product or security.
Fed Options and the Members Portal are private services and are not affiliated with, sponsored by, endorsed by, or approved by the U.S. Office of Personnel Management (OPM), the Federal Retirement Thrift Investment Board (FRTIB), the Thrift Savings Plan (TSP), the Social Security Administration (SSA), the Centers for Medicare & Medicaid Services (CMS), or any other federal agency or department of the United States government.
Federal employee benefit rules, contribution limits, premium amounts, regulatory thresholds, and eligibility requirements referenced in portal content are based on publicly available statutes, regulations, and OPM guidance. These rules change frequently. Fed Options makes reasonable efforts to keep content current but cannot guarantee that all information reflects the most recent regulatory guidance. Always verify benefit information with the employee's agency HR office, OPM, or the applicable benefit administrator before taking action.
Benefit calculators provided in the portal produce estimates based on the inputs you provide. Actual federal retirement benefits are determined by OPM based on the employee's official service record, salary history, and benefit elections. Calculator results should not be relied upon as a final determination of any benefit amount.
HR letter templates are general templates designed to assist licensed financial professionals in drafting correspondence on behalf of their clients. These templates do not constitute legal documents and should be reviewed and customized for each client's specific situation. Fed Options makes no representation that any template will achieve a particular result.
Financial advisors, insurance agents, and other professionals using the Members Portal are solely responsible for ensuring that their use of portal content complies with all applicable federal and state laws, regulations, and licensing requirements, including FINRA rules, SEC regulations, and state insurance department requirements.
The portal's news feed aggregates content from third-party sources including OPM, FedSmith, Government Executive, TSP.gov, and other publications. Fed Options does not endorse and is not responsible for the accuracy or completeness of third-party content.
For questions about this disclaimer, contact us at ben@fedoptions.co.