Transform Your Benefits into a Brighter Future
The Federal Employees Retirement System (FERS) was introduced in 1987 to replace the older CSRS system. It provides a reliable retirement income for U.S. federal employees, based on their age and years of service. FERS includes pensions and other benefits in four key areas. At Federal Pension Advisors, we simplify FERS for you. We educate you on how the system works, helping you maximize your benefits!
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 Financial Planning Journey
Federal Employee Advisor Network connects federal employees and retirees with independent, licensed financial professionals who can help them evaluate their retirement and financial planning needs.
Get your federal retirement questions answered — free.
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Read Our Latest Blogs
November 5, 2026
Can a Federal Employee Union Still Take Your Grievance to Arbitration?
For federal employees at agencies covered by Chapter 71 of Title 5 that have an applicable collective bargaining agreement (CBA) in force, the answer is yes. The union can invoke binding arbitration under 5 U.S.C. § 7121 as it always has, provided the grievance is not one of the statutory matters excluded from that process.
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November 4, 2026
Federal Employees Retiring in 2026: What to Do Before Year-End
Federal employees retiring in 2026 need to complete five actions before year-end. Each decision affects monthly income, health coverage, or 2026 tax liability. First, confirm your continuous Federal Employees Health Benefits (FEHB) enrollment under OPM's actual eligibility rules. Second, make your 2027 health plan elections during Open Season
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November 3, 2026
Federal Retirement in 2027: What 2026 Changes Should You Factor Into Your Plan?
Five concrete 2026 changes shape federal retirement in 2027, and you should factor them into your plan. These include a 2.6% FERS cost-of-living adjustment (COLA), a $24,500 Thrift Savings Plan (TSP) elective deferral limit, and a new mandatory Roth catch-up rule for employees whose 2025 Social Security wages exceeded $150,000.
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