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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
April 17, 2026
How Do You Choose the Right Financial Advisor as a Federal Employee?
We keep delaying it. We tell ourselves, next year I’ll plan my finances, maybe after the next bonus, maybe when things feel more stable. But time flies, your TSP grows, your pension accumulates in the background, and your social security decisions appear to be more important than ever. As you approach retirement, you will either be ready or not.
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April 13, 2026
The Complete Federal Retirement Planning Roadmap
We spend years committed to our jobs, often without taking the time to focus on what truly matters later. Federal retirement planning does not begin at the edge of retirement, it is a foundation that should be built much earlier in your career. So whether you are just starting or getting closer to retirement, here is a roadmap you should follow.
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April 3, 2026
C Fund vs S Fund: Which TSP Fund Is Better for Federal Employees?
Federal employees often face an important decision when managing their Thrift Savings Plan (TSP): C Fund vs S Fund which one is better?
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