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
August 26, 2026
Does FEHB Cover Long-Term Care? What Federal Employees Need to Know in 2026
No, FEHB does not cover long-term care. The Federal Employees Health Benefits (FEHB) Program is medical insurance. It pays for doctor visits, hospital stays, surgery, and prescriptions, not custodial care.
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August 25, 2026
2027 Federal Pay Raise: What Federal Employees Should Know About the August 31 Deadline
A major milestone for the 2027 federal pay raise arrives August 31, 2026. That's the day the president faces a statutory deadline to submit an alternative plan for the across-the-board pay adjustment under 5 U.S.C. § 5303.
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August 24, 2026
FERS Basic Employee Death Benefit in 2026: Who Qualifies, How Much Is Paid, and How to Apply
The FERS Basic Employee Death Benefit is a death benefit payable to the eligible surviving spouse, or a qualifying former spouse, of a federal employee who dies while still on the employing agency's rolls. To qualify, the employee must have had at least 18 months of creditable civilian service. The recipient can generally take it as a single payment or in 36 monthly installments.
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