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A Partner that Keeps Your Retirement Purposeful
Smart Planning for Your Post-career Phase
- One-on-One Consultation: We start with a personal meeting to explain your FERS Pension and benefits. We’ll walk you through the details and costs in easy-to-understand terms.
- Detailed Review: We go over all your options, even though we can’t choose for you. Our aim is to ensure you see all the possibilities.
- Clear Guidance: Our goal is to give you the knowledge and advice you need to make the best choices for your FERS Pension. We’re here to support you.
- Smart Recommendations: If it suits your goals, we might suggest moving some funds to other financial options. This can help improve your returns and better meet your needs.
Get the Green Light: Eligibility Check
Curious about when you can start receiving benefits? The FERS Pension provides a reliable monthly income based on your salary and years of service. Unlike the Thrift Savings Plan, FERS ensures a steady stream of income throughout your retirement.
- Immediate: Begins within 30 days of retirement. Eligible at 62 with 5 years, or 60 with 20 years of service.
- Early: Available during involuntary separations or major reorganizations. Requires 25 years of service, or 20 years if over 50.
- Deferred: For those with at least 5 years of service, benefits start at 62. Reduced by 5% per year before 62.
- Disability: For employees with 18 months of service who become disabled. The disability must last over a year and cannot be accommodated.
Begin Your Federal Retirement Journey Today
Let Federal Pension Advisors help you take the next step with clarity, confidence, and care.
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February 20, 2026
Federal Tax on Retirement Income Calculator: How to Estimate Your Retirement Taxes Accurately
Retirement changes your income structure but it does not eliminate taxes.
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February 19, 2026
Do You Pay Federal Taxes on Retirement Income in Florida?
Florida is widely known as one of the most tax-friendly retirement states in America. With no state income tax, no tax on pensions, and no state tax on Social Security benefits, it attracts thousands of retirees each year.But here’s the question many retirees misunderstand:
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February 18, 2026
Types of Taxes in Federal Retirement: A Complete Planning Guide
Federal retirement income is generally subject to federal income tax, with taxation depending on the type of income received. Most retirement income is treated as ordinary income, while certain investment gains may be taxed at capital gains rates. Taxable sources typically include CSRS and FERS annuities, traditional TSP and IRA withdrawals, and up to 85% of Social Security benefits, depending on total income. In contrast, qualified withdrawals from Roth TSP and Roth IRA accounts are generally tax-free.
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