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!

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Avoid common errors (TSP matching, Roth/TSP pitfalls, early Social Security claiming) that can drain retirement savings. Learn what those mistakes mean for your balance. Studies show federal employees who plan with an advisor can unlock up to $18,000 more in lifetime benefits (see Annuity.org Retirement Stats)
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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.

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Read Our Latest Blogs

January 16, 2026

FEHB Eligibility or Age: What Really Decides When Federal Employees Can Retire?

For federal employees in the United States, retirement eligibility is often misunderstood as a simple age-based milestone. In reality, retirement is shaped by two parallel systems working side by side. One determines when you can start receiving your pension. The other determines whether you can keep your health insurance for life. Many employees qualify for a pension and still cannot retire comfortably because their Federal Employees Health Benefits coverage is not protected.

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January 14, 2026

What the FEHB Gender-Affirming Care Ban Means: Impact on Federal Health Benefits and Precautions for Federal Employees

The Office of Personnel Management (OPM) has issued guidance directing carriers under the Federal Employees Health Benefits (FEHB) and Postal Service Health Benefits programs to exclude coverage for certain gender-affirming treatment beginning January 1, 2026, based on current reporting.‍This change does not affect federal employment status, FEHB eligibility, or enrollment rights. However, it does alter how specific medical services are reimbursed under federal government healthcare plans, which has direct implications for healthcare costs, budgeting assumptions, and long-term financial planning for some federal households.

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January 12, 2026

How Much Retirement Income Federal Employees Really Need (And Why the 80% Rule Fails)

For decades, the 80% rule has been treated as a retirement shortcut. Save enough to replace 80% of your working income, and you’ll be fine. Simple. Comfortable. Reassuring.But when it comes to federal retirement income, this rule is not just outdated—it is often misleading.

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