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.
Read Our Latest Blogs
May 20, 2026
TSP Rollover to Fidelity: How to Roll Over Your TSP Without Tax Mistakes
A TSP rollover to Fidelity moves your retirement balance from the Thrift Savings Plan, the federal government's tax-advantaged retirement savings program, into a Fidelity Individual Retirement Account (IRA).
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May 19, 2026
OPM Proposed RIF Rules: What Federal Employees Should Review Before Retirement Is Affected
OPM proposed RIF rules are amendments to the federal Reduction in Force regulations issued by OPM, the U.S. Office of Personnel Management, that would change how agencies select, notify, and place employees during workforce reductions.
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May 18, 2026
FERS Pension Tax Rules 2026 What Federal Retirees Should Know
Yes, federal retirement is generally taxable in 2026. FERS, the Federal Employees Retirement System, pensions are subject to federal income tax on the portion of each annuity payment that represents the government's contributions and accumulated earnings.
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