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 12, 2026
FEHB in Retirement: How to Keep Your Health Coverage for Life
To meet FEHB retirement eligibility, you must retire on an immediate annuity and stay continuously enrolled in the Federal Employees Health Benefits (FEHB) program, the federal government's health insurance system, for the five years right before your annuity begins. If your service is shorter, you must have been covered for your entire period of service since your first chance to enroll.
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June 11, 2026
The FERS Supplement: Who Qualifies and How Much You'll Get
The FERS supplement goes only to federal employees who retire on an immediate, unreduced annuity before age 62. You can reach it through one of three paths: your Minimum Retirement Age (MRA) with at least 30 years of service, age 60 with at least 20 years of service, or a special-category role such as law enforcement officer or firefighter.
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June 10, 2026
Federal Early Retirement 2026: What VERA, VSIP, and Schedule Policy/Career Mean for Your Pension
Federal early retirement in 2026 means leaving federal service before standard age and service thresholds using two tools: VERA, the Voluntary Early Retirement Authority, and VSIP, the Voluntary Separation Incentive Payment.
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