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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
January 30, 2026
Does the 3.8% ATC Pay Raise Increase Your High-3 Under FERS and Should It Change When You Retire?
Federal pay policy is shifting in subtle but important ways, and the ATC pay raise 3.8% is a clear signal of that change. This increase is not simply a routine adjustment meant to keep pace with inflation. Instead, it reflects a more targeted compensation strategyone that prioritizes mission-critical roles, workforce stability, and operational risk within the federal system.
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January 29, 2026
2026 Federal Outlook: How the 2025 Federal Workforce Shake Up Is Affecting Federal Employee Retirement in 2026 and What You Can Do
For many federal employees, 2026 does not feel like a fresh chapter. It feels like a continuation of questions that started forming in 2025. Questions about job stability, timelines, benefits, and whether retirement plans built years ago still make sense today.
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January 28, 2026
The 2026 Possible Government Shutdown Outlook: Key Dates and What It Means for Federal Employees
As discussions around federal funding resurface, many federal employees are once again asking a familiar question: Is the government going to shut down? While shutdowns have become an unfortunate recurring theme in recent years, each new fiscal cycle brings its own uncertainties, timelines, and implications.
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