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
July 1, 2026
2027 FEHB Changes: What OPM's New "Well Care" Direction Means for Federal Employees
The expected 2027 FEHB changes point to a shift in the Federal Employees Health Benefits (FEHB) Program toward a "well care" model. This model prioritizes prevention, lifestyle interventions, and whole-person wellness over symptom-based treatment.
Read More
June 30, 2026
OPM VERA and Deferred Resignation Offers: What Federal Employees Should Know Before Accepting
OPM VERA, or the Voluntary Early Retirement Authority granted by OPM (the U.S. Office of Personnel Management), lets agencies temporarily lower the age and service thresholds for an immediate annuity so more employees can retire early during a restructuring.
Read More
June 29, 2026
Halfway Through 2026: Your Mid-Year Federal Retirement Checklist
A mid-year retirement checklist is a structured June or July review of your federal retirement plan. It confirms your Thrift Savings Plan contributions are on pace, your benefit elections still fit your goals, and the year's rule changes are reflected in your strategy.
Read More