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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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May 8, 2026
What Is a Retirement Plan Distribution? Rules and Tax Considerations
A retirement plan distribution is any payout of money from a tax-advantaged retirement account, such as a 401(k), IRA, or the TSP (Thrift Savings Plan), the federal government's tax-advantaged retirement savings program.
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May 7, 2026
What Is a Retirement Plan? Types and How It Works
A retirement plan is a financial arrangement that lets workers set aside money during their working years so they have income after they stop working. Most retirement plans offer tax advantages, employer contributions, or both. They fall into two broad categories: defined benefit plans, which pay a guaranteed monthly amount, and defined contribution plans, which build a balance the worker draws from in retirement.
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2026 TSP Roth Catch-Up Rule for Federal Employees Earning $150K+
The Roth catch-up rule 2026 requires federal employees age 50 and older who earned more than $150,000 in FICA (Federal Insurance Contributions Act) wages from their employing agency in the prior calendar year to make all catch-up contributions to the TSP, or Thrift Savings Plan, the federal government's tax-advantaged retirement savings program, on a Roth (after-tax) basis rather than traditional pre-tax.
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