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
June 3, 2026
Forest Service VERA and VSIP 2026: What Employees Should Know Before Taking a Separation Incentive
If you're a U.S. Forest Service employee weighing a separation incentive in 2026, here's the direct answer. VERA (Voluntary Early Retirement Authority) and VSIP (Voluntary Separation Incentive Payment) are two distinct offers that can let you leave federal service early. VERA lets eligible employees retire early on an immediate annuity. VSIP pays a one-time lump sum capped at $25,000.
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June 2, 2026
How Many Federal Workers Were Cut in 2026?
The latest full-year data shows that more than 300,000 federal employees left government service during 2025. After new hires are counted, that produced a net federal workforce reduction of roughly 238,000 positions, according to the Office of Personnel Management (OPM) and an analysis by the Pew Research Center.
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June 1, 2026
DoD Layoffs 2026: What Civilian Employees Should Know About RIFs, Reassignments, and Benefits
DoD civilian workforce reductions have continued in 2026 through deferred resignation, restructuring, hiring limits, reassignments, and possible Reduction in Force (RIF) actions.
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