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
June 17, 2026
TSP Funds Explained: A Beginner's Guide to the 5 Core Funds (2026)
Here are the TSP funds explained simply. The Thrift Savings Plan (TSP) is the federal government's tax-advantaged retirement savings program. It offers five core investment funds: the G Fund (government securities), the F Fund (fixed-income bonds), the C Fund (large U.S. companies), the S Fund (small and mid-sized U.S. companies), and the I Fund (international stocks).
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June 16, 2026
Federal Employee Pay Raise 2027: 4.1% Proposal vs Pay Freeze Risk
As of June 16, 2026, the 2027 federal employee pay raise has not been finalized. The FAIR Act proposes an average 4.1% raise for civilian federal employees, including a 3.1% across-the-board increase and an average 1.0% locality pay increase.
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June 15, 2026
2027 FERS and CSRS COLA Estimate: Current Federal Retiree Tracker
As of the latest available May 2026 CPI-W data, the running 2027 COLA estimate is approximately 3.6%. This is not the final COLA. The official 2027 COLA will be based only on the average CPI-W readings for July, August, and September 2026, compared with the Q3 2025 average.
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