No. 1
Pre-Retirement Reviews at 59½
Turning 59½ opens new TSP options most employees never hear about. We review what changes, what your choices are, and how they fit the retirement you want — well before your last day.
Federal Benefits & Retirement Advisor · Brea, California
Your benefits, explained clearly — before you retire, not after.
“I Work Hard Now, So You Don’t Have to Later!”
I’m Frances Lundmark. Since 2021 I’ve helped federal and postal employees understand the benefits they’ve earned — their TSP, health coverage, life insurance, and pension — and walk into retirement with a plan they actually understand.
Since 2021 serving federal employees
Licensed in California · Lic #1795755
Brea, CA — serving stations across SoCal & beyond
Since 2021
Serving federal employees
USPS & Federal
Carriers, clerks & retirees
Nassau Partner
Proud Nassau Financial Group partner
One-on-One
Patient, step-by-step guidance
About Frances
An educator first — never a salesperson
Most federal employees spend a career earning benefits nobody ever sat down and explained. My job is to be the person who finally does.
I work with postal and federal employees at every stage — new hires setting up benefits for the first time, mid-career employees who want to know where they stand, and folks within sight of retirement who need the whole picture put together: pension, Social Security, TSP, health coverage, and life insurance.
It is my pleasure and privilege to serve the people who keep this country running. My goal is simple: help you maximize your benefits and your income through your career, into retirement, and beyond — with clear explanations, honest answers, and no pressure. Ever.
-
Understand before you decide Every option explained in plain language, at your pace — not rushed, not jargon.
-
The rules matter Deadlines and elections — like PSHB and Medicare Part B — can follow you for life. I make sure you see them coming.
-
A relationship, not a transaction Open season check-ins, beneficiary reviews, and a call back when you call. That’s the standard.
Out in the Field
Where You’ll Find Me
In the stations, at the podium, and across the table — helping federal and postal employees understand their benefits.
How I Help
The conversations every federal employee deserves
Whether retirement is thirty years away or next spring, these are the pieces that decide how comfortable it is. We go through them together, one at a time.
No. 2
PSHB & Medicare Part B
Postal health coverage and Medicare have rules that surprise people — including penalties and windows that don’t reopen. I’ll walk you through how they work together so you can plan ahead.
No. 3
TSP, Pension & Social Security
Your retirement income comes from three directions. We look at how they add up, what your pension is worth, and where the gaps are — with real numbers, not guesses.
No. 4
FEGLI & Life Insurance
FEGLI costs climb sharply as you age, and many employees are paying for coverage that won’t be there — or won’t be affordable — in retirement. We review what you have and what it really costs.
No. 5
New-Hire Benefits Setup
Starting as a regular comes with a stack of elections and a deadline. I’ll set up your health, life, and retirement benefits with you, step by step, so nothing gets missed.
No. 6
Open Season & Beneficiary Checkups
Plans change, families change, addresses change. A yearly check-in keeps your coverage right and your beneficiaries current — the details your family will thank you for.
Turning 59½? That’s when a TSP & Retirement Review matters most. Book yours and see exactly where you stand.
Book Your ReviewProud to partner with Nassau Financial Group
For clients whose retirement plan calls for guaranteed income, I work with Nassau Financial Group — a long-standing financial services company whose annuity solutions can turn a portion of your TSP or retirement savings into income you can’t outlive. It’s one more tool on the table, explained the same way as everything else: clearly, honestly, and only when it fits your plan.
Client Stories
What federal employees say about working with Frances
Real words from postal and federal employees Frances has helped with their careers, benefits, and retirements.
★★★★★
From the start, I felt heard and valued. Frances helped me step by step with my health and life coverage and my retirement benefits — knowledgeable, patient, and detail-oriented through all of it. I finally have peace of mind, and I highly recommend her.
★★★★★
Her professionalism is exceptional. The support with my postal benefits was clear and concise, and she is consistently available when I need her. Frances is the gold standard of benefits advisors.
★★★★★
Frances has been a God sent. She brought insights I hadn’t even considered, explained everything clearly, and helped me choose better plans — for now and for the future.
★★★★★
Helpful, efficient, and approachable — and she always calls back. I’m not tech savvy, but she patiently helped me step by step. She goes above and beyond.
★★★★★
I’m so grateful for her help understanding my post office benefits. From retirement plans to life insurance, everything was explained with patience and clarity — I never felt rushed.
★★★★★
Frances has helped me since I became a regular — she set up my benefits and checks in every year for open season. She even helped update my address after I moved. I tell my coworkers to call her.
★★★★★
Frances helped both of us retire last year. She made two house visits to complete our paperwork and explained our pension, Social Security, and TSP options so we could decide with confidence.
★★★★★
I knew nothing about setting up my benefits. Frances walked me through it step by step, including a face-to-face video call — and she still helps whenever I have questions.
★★★★★
After decades with USPS, I retired with clarity and confidence. Frances brought knowledge, patience, and a steady presence — with no pressure at any point.
★★★★★
I barely knew how to reply to an email, let alone set up health benefits. Frances helped me figure it all out.
★★★★★
Very helpful — she answered all my questions promptly, with quick responses by email and text. Save her info in your contacts.