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 9, 2026
Mid-Year TSP Check-Up: Are You On Track to Max Out in 2026?
A mid-year TSP check-up is a contribution review you run around June or July to confirm your year-to-date Thrift Savings Plan (TSP) deposits are on pace to hit your 2026 target by the final pay period. Half the year's pay periods are now behind you.
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June 8, 2026
VA Workforce Cuts 2026: What Federal Employees Should Know About Attrition, Hiring Caps, and Retirement Planning
VA workforce cuts 2026 refer to the U.S. Department of Veterans Affairs' (VA) reduction of nearly 30,000 employees, announced and largely carried out by the end of fiscal year 2025, with hiring restrictions, staffing caps, and workforce effects continuing into 2026.
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June 8, 2026
IRS Layoffs 2026: What Federal Employees Should Know About Retirement, RIFs, and Buyout Options
IRS layoffs in 2026 are part of a broader IRS workforce reduction that began in 2025, with additional staffing cuts still proposed in later budget documents.
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