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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.
Read Our Latest Blogs
December 31, 2025
OPM’s Proposed Changes to Federal Probationary Appeals: What Changes, Who’s Affected, and Why It Matters
For most federal employees, the probationary period is often described as “just a formality.” You pass your first year, convert to career status, and move forward with greater job security, benefits certainty, and long-term planning confidence.But that assumption is increasingly outdated.
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December 30, 2025
How COLA Announcements Affect Military Retirement Pay: What a 2.8% Increase Means for You
For military retirees, Cost-of-Living Adjustments (COLAs) are more than annual headlines—they are a core mechanism that helps retirement pay keep pace with inflation. As everyday expenses like healthcare, insurance premiums, and housing continue to rise, COLA plays a critical role in preserving purchasing power over time.
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December 26, 2025
Federal Employees’ Guide to TSP Contribution : How to Maximize Your Savings in 2026
Many federal employees searching for the 2026 TSP contribution limits, a reliable TSP calculator, or the average TSP balance by age are really asking the same question: Am I maximizing my Thrift Savings Plan or just contributing to it?In 2026, that distinction matters more than ever.Higher contribution limits, new age-based catch-up tiers, and updated Roth rules mean federal employees can save more than at any point in the program’s history. But they also mean that small execution mistakes contributing too aggressively, mismanaging pay-period elections, or misunderstanding how matching works can quietly cost thousands over time. Even the best TSP calculator or TSP growth calculator can’t fix a strategy that’s set up incorrectly.
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