Any planner who is a Certified Financial Planner should have expertise about the Federal programs, as well as the health insurance coverages for Federal retirees. Go to www.CFPBoard.org to find a certified financial planner in your area. Go to www.campaignforinvestors.org to see the questions you should ask a financial planner before signing on. The first meeting should be free -- but you need to know what to ask! And be sure to ask if they have dealt with the Federal retirement program.