Cindy A. Minalt | Federal Benefits Service
Cindy A. Minalt, CFBS
National Benefits Director
Cindy Minalt has more than a decade of experience in the financial services industry, and she is a National Benefits Director for Federal Benefits Service. She is designated as a Certified Federal Benefits Specialist (CFBS), and holds her life, health and annuities insurance license in most states.
“I am trained and licensed, and I specialize in helping federal employees navigate their retirement benefits,” Cindy says. “My interest in this work was shaped by both of my parents. My father was a city employee with a pension and benefits package similar to those of many federal employees, and my mother worked in insurance. Seeing the importance of informed financial decisions inspired me to build a career focused on helping federal employees understand their options and make confident retirement decisions.” My approach is educational – I focus on making the complex feel simple. I contribute to my clients’ success by helping give them a clear, confident path to retirement. I set goals with them, show them the steps to take, and help them avoid the costly mistakes that many federal employees make.”
What Cindy most enjoys about her job is helping clients put all the pieces together. “Building a retirement plan feels like solving a puzzle, and when everything clicks into place, it’s incredibly rewarding. It’s exciting to play a role in such an important life milestone,” she says. “My goal and mission as an advisor is to continually grow, both in knowledge and in resources I offer, so I can support my clients at the highest level. I’m grateful that much of my business now comes from referrals, and my goal is to keep earning that trust by consistently delivering exceptional guidance.”
Born and raised in Chicago, Cindy received a Bachelor of Science degree from Western Illinois University. She works with federal employees across the country, helping them navigate the complexities of retirement planning through personalized education and guidance.
Reviews
Debbie Hernandez ⭐⭐⭐⭐⭐
Date: September 2, 2026Cindy is a pleasure to work with. She always offers options the pros and cons of each option and makes a complicated process. Very easy to understand love working with her. She has a great personality and is a pleasure to deal with always there when I have a question never leaves me wondering what next All around. Great persons do business with.
Angela F Winstead ⭐⭐⭐⭐⭐
Date: September 1, 2026Let me start by saying Cindy is a very knowledgeable person but beyond that she is incredibly caring. She helped (or rather)navigated me through my retirement process because I had no idea where to begin. I had made a high mistake before I met her and realized it just before I met her. She helped me undo the mistake and got me back on track. I trust her confidence and honesty. I have since referred her to quite a few friends that needed some information and navigating through their retirement. She was definitely a God send to me !!!!
Annette Djibo-Chandler ⭐⭐⭐⭐⭐
Date: September 1, 2026The first day I met Cindy, I felt her desire to help people. I knew our finances and preparation for retirement was going to be in capable hands. You definitely want her to be part of your retirement planning. She knoher business. I tell all my friends, family and enemies about her.😆Thank you my friend and financial advisor.
