Federal workers have a constellation of retirement benefits, and assessing them can get complicated fast. Here are five high-stakes decisions to focus on.

Wes Battle has been glued to the phone at his financial-planning office in Maryland for days, endlessly fielding calls from clients, most of whom work for the federal government. They all want to know the same thing in a hurry: Is the U.S. Office of Personnel Management’s “fork in the road” offer a good deal financially?