For Florida federal employees

We Fight for and Defend Your Future

Understand the whole picture before you make a retirement decision.

Start with the federal benefits you already have—then decide what, if anything, needs to change. A Federal Benefits Review considers FEGLI protection, TSP retirement income and survivor needs together.

Start the needs analysis Begin with Life Insurance

Private consultations are reserved in advance. Florida residents can submit the needs analysis below and request a preferred appointment time. No obligation. No required product purchase.

How it works

A clear path—not a sales pitch.

Organize

Bring together the parts of your federal benefits that affect retirement and family protection.

Understand

See what you keep, what you give up and what questions deserve answers before an election or transfer.

Decide

Consider reasonable paths at your pace. Private insurance or income products are discussed only when appropriate and available.

Your starting point

Choose the question that brought you here.

Life-insurance protectionFederal coverage, cost changes, beneficiaries and private life-insurance questions. TSP retirement incomeIncome options, access to money, annuities and tradeoffs before an election.

Confidential starting point

What must your plan protect—and keep available?

This needs analysis measures family protection and retirement liquidity before comparing a life policy, TSP rollover or annuity. Do not enter Social Security numbers, account numbers, medical records or banking information.

Identify the people, goals and years that require protection.
Estimate income, debt, education, final-expense and legacy needs.
Determine how much retirement money must remain accessible.
Choose a preferred appointment day and time.
Compare suitable Florida-available options with Harvey after the needs analysis.

Agent-assisted process: submitting this request does not start an insurance or annuity application. Harvey will confirm the appointment, speak with you first and use the carrier's secure agent process only if you decide to proceed.

The questions follow consumer guidance from the National Association of Insurance Commissioners and the Florida Department of Financial Services.

Your starting pointContact and federal-benefit information

Name *

Email *Phone *

State *Federal status *

What would you like to review? *TSP distribution or rolloverRetirement-income annuityFEGLI and life-insurance protection

Select at least one topic.

Your familyWho relies on you, and for how long?

Your ageRelationship status

Spouse or partner agePlanned retirement timing

Children or other dependents and their ages Grandchildren or other people you want to provide for

Who are you protecting?Spouse or partnerChildrenGrandchildrenParent or other adultBusiness or charitable commitment

What must be protected?Use estimates—exact account information is not needed

What should the coverage accomplish?Replace family incomePay mortgage and other debtsFund education or childcareCover final expensesProtect spouse or partner retirement incomeCreate a legacy for children or grandchildren

Annual income to replaceYears the income may be needed

Mortgage and other debtsEducation or childcare goal

Final-expense estimateLegacy or other family goal

What is already available?Existing protection and survivor resources

Current FEGLI coverageExisting life-insurance death benefits

Savings specifically available to survivorsExpected survivor income or benefit

Preliminary family protection gapEnter the estimated amounts aboveThis is an educational starting point, not a recommendation or guarantee of coverage.

Protection or fortification?Choose the outcome you want compared

If death occurs during coverage

Protect the people you love.

The policy death benefit can help replace income, pay debts, fund education, cover final expenses and preserve the family's future, subject to the policy terms.

If you outlive an ROP term

Fortify the future you choose.

If the policy remains in force and its conditions are met, eligible returned premiums become money you can redirect toward the next family or retirement goal.

Which path sounds closest to your goal?Protection first — affordable death-benefit coverage for the years it is neededFortification — protection plus a return-of-premium feature if suitable and availablePermanent legacy — lifetime coverage for final expenses or inheritance goalsHelp me compare — show me the tradeoffs before I choose

About Return of Premium coverage

ROP is life insurance, not an investment. It generally costs more than ordinary term insurance. Depending on the policy, some or all eligible premiums may be returned in a lump sum if the insured outlives the term and all policy conditions are met. Rider premiums, policy fees, rated premiums or other charges may not be returnable.

If eligible premiums are returned, the policyowner may keep the money flexible or consider another goal. Funding an annuity would be a separate decision requiring a new needs and suitability review. Any annuity premium bonus is a credit under that annuity contract—not extra cash added to the ROP refund—and remains subject to vesting, surrender and recapture terms.

If eligible premiums are returned, what would you want that money to strengthen?Retirement savings or an investment account, subject to applicable rulesPay down a mortgage or other debtBuild an emergency or income reserveHelp children or grandchildren with educationCreate future retirement income after a new suitability reviewKeep the money flexible for a future family goal

Comfortable monthly premium range

TSP

Rollover liquidity and contract costsKnow what must remain accessible before comparing a bonus or income feature

A bonus does not erase withdrawal restrictions.

The contract—not a headline percentage—determines the penalty-free amount, surrender period, bonus vesting or recapture, market value adjustment and rider costs.

Plain-English glossary

What do these annuity terms mean?

These terms describe different values. They should not be treated as interchangeable.

Premium—or principal deposited: The money the client pays into the annuity contract. In plain language, this is the client's starting money.
Contract value: The current dollar value recorded inside the annuity contract. It generally starts with the accepted premium and changes with credited bonus and interest, withdrawals, charges and contract adjustments.
Premium bonus: An additional credit the insurer adds under the annuity contract. It is not a cash gift or guaranteed annual return and may be subject to vesting and recapture rules.
Indexed interest credit: Interest calculated using an index and the contract's cap, participation rate, spread and crediting method. The client's money is not invested directly in the market index.
Cash surrender value: The amount available if the client ends the contract early, after any surrender charge, market value adjustment, withdrawals and unvested bonus recapture.
Charge-free withdrawal: The amount the contract permits the client to withdraw without a surrender charge. A withdrawal may still reduce contract value, bonus value, future income or trigger tax consequences.

The issued contract, disclosure and Bonus Rider control. Harvey will review the carrier's exact definitions and values before an application is completed.

Approximate TSP or retirement amount being reviewedHow much might be rolled over?

Money needed within the first 12 monthsExpected annual withdrawals

Liquid reserve outside the proposed annuityThe review should not rely on the annuity for near-term living expenses or emergencies.Are you currently required to take RMDs?

What must be confirmed in the proposed annuity contract?Annual surrender-charge-free withdrawal amount and the first year it is availableSurrender period and year-by-year charge scheduleBonus vesting and possible recapture rulesWhether a market value adjustment can increase or reduce a withdrawalIncome-rider fees and how excess withdrawals affect future incomeRMD treatment and any nursing-home, terminal-illness or confinement waiversBeneficiary value and death-benefit provisions

About the commonly advertised 10% withdrawal

Many annuities permit a withdrawal of up to 10% per year without a surrender charge, but the amount, calculation method and starting year vary. Withdrawals may still reduce contract value, future income, bonus value or trigger a market value adjustment. The actual contract and disclosure control.

Carrier or product of interest

APPT

Request your appointmentStackpoole II Financial will confirm the exact date and time

Preferred contact method *

Preferred appointment date *Preferred appointment time *

Your time zone *This is an appointment request. Harvey will reply to confirm the exact time. Anything else we should understand about your family or retirement goal?

Choose the consumer brochures you would like to discuss

Select any that interest you. You can open the brochure or product information before selecting it.

Your answers stay on your device until your email program opens a message addressed to harvey@stackpoole2financial.com. Review it, then press Send so Harvey receives your request.

Stackpoole II Financial serves Florida residents and is a private insurance and retirement-education business. It is not affiliated with, endorsed by, or sponsored by the U.S. Government, OPM, FEGLI, TSP, or any federal agency. Information is general and is not individualized investment, tax, legal or insurance advice.