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 Financial Planning Journey
Federal Employee Advisor Network connects federal employees and retirees with independent, licensed financial professionals who can help them evaluate their retirement and financial planning needs.
Read Our Latest Blogs
October 1, 2026
2027 FEHB Changes: Premiums, Benefits & What Federal Employees Need to Know
OPM's proposed FEHB plan changes for 2027 arrive with a 10.9% average increase in enrollee premiums. They also tighten the rules for obesity-medication coverage, direct carriers away from vaccine incentives, and add family-member verification. As federal employees review these changes, it may also be useful to reassess other parts of their benefits and retirement strategy, including the TSP Mutual Fund Window and how it fits into their overall investment approach.
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September 30, 2026
How to Maximize Your TSP Agency Matching Before the End of 2026
To maximize your TSP agency matching before the end of 2026, contribute at least 5% of your basic pay to your TSP account in every remaining pay period. Once you're reviewing your TSP strategy, you may also want to understand the TSP Mutual Fund Window and how it fits into your overall investment approach. Don't hit your annual contribution limit early.
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September 29, 2026
2027 FERS COLA Estimate: What the Latest Inflation Data Could Mean for Retirees
Current estimates point to a 2027 cost-of-living adjustment (COLA) of about 2.5% for retirees under FERS, the Federal Employees Retirement System. A 2027 FERS COLA estimate is a projection of the January 2027 annuity increase for FERS retirees, based on inflation and reduced by a formula when inflation exceeds 2%.
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