Ken Orenstein – Federal Retirement Advisor
Founder, Federal Retirement Advisory Services
Ken Orenstein is a highly respected Federal Retirement Advisor, specializing in helping federal employees and retirees navigate their financial futures with confidence. As the founder of Federal Retirement Advisory Services, Ken focuses on retirement income planning, investment strategy, employee benefits analysis, and tax-efficient, low-cost financial solutions. He brings a wealth of experience and integrity to every client relationship.
Ken has dedicated his career to serving the financial needs of those who serve the public. From Thrift Savings Plan (TSP) analysis and FERS/CSRS pension guidance to Social Security optimization and annuity planning, Ken helps clients develop strategies that protect their wealth and generate dependable lifetime income.
A published author, Ken is a regular contributor to The Informed Fed series—an annual book that provides retirement planning guidance tailored to federal workers. He was featured in the 2021 edition and is also a contributing writer on Annuity.org, where he shares insight on topics such as annuity structures, income riders, and long-term planning.
Ken has also been a consultant to nationally recognized organizations, including AARP, FFEBA (Federal Employees Benefit Association), and Annuity.org, offering his expertise on retirement and income strategies that meet the specific needs of federal workers. These collaborations reflect his recognized authority in the space and ongoing commitment to financial education.
What sets Ken Orenstein apart is his independent approach. He works with many of the nation’s leading financial and insurance companies, allowing him to tailor each plan to the individual—not a product. Whether his client’s goal is growth with downside protection, lifetime income, or maximizing tax efficiency, Ken’s solutions are built to match personal goals with objective recommendations.
Ken is insurance licensed in New Jersey, New York, North Carolina, Maryland, Virginia, Washington, D.C., and several additional states. He also holds the title of Investment Advisor Representative in New Jersey, empowering him to provide holistic, fiduciary-level financial advice in accordance with regulatory standards.
Clients often praise Ken for his straightforward, no-pressure style and ability to simplify complex financial topics. He is especially known for designing plans that reduce fees, avoid unnecessary risk, and deliver income that clients can’t outlive. His knowledge, combined with his dedication to doing what’s best for the client, has earned him long-standing relationships and referrals throughout the federal employee community.
Ken Orenstein is more than a financial advisor—he is an educator, advocate, and partner in your financial journey. Through Federal Retirement Advisory Services, he helps clients take control of their retirement with clarity, confidence, and peace of mind.
