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
July 8, 2026
AI Tax Advice for Federal Employees: Why It's Risky for Retirement Planning
AI tax advice for federal employees can be risky because chatbots may deliver inaccurate, outdated, or generic answers on complex retirement tax questions, and you, not the AI, are legally responsible for every figure on your return. Your federal retirement income blends a FERS annuity, TSP withdrawals, and Social Security. Each one is taxed differently. A confidently worded but wrong AI answer can trigger real penalties.
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July 7, 2026
Federal Employees Retirement System: How FERS Works for Federal Employees
The Federal Employees Retirement System (FERS) is the retirement plan covering most civilian federal workers hired since 1984. It pays benefits from three sources: a defined-benefit pension called the Basic Benefit Plan, Social Security, and the Thrift Savings Plan (TSP).
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July 6, 2026
TSP Allocation Risk in 2026: What Federal Employees Should Review Before Retirement
TSP allocation risk is the danger that the mix of funds inside your Thrift Savings Plan (TSP), the federal government's tax-advantaged retirement savings program, no longer matches the time you have left before you need the money. As you approach retirement, an allocation that once helped you grow wealth can quietly expose you to losses you no longer have time to recover from.
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