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
September 2, 2026
I Fund Leads August 2026 TSP Returns: Should Federal Employees Change Their Allocation?
TSP performance in August 2026 was broadly positive. Every core fund and every Lifecycle Fund in the Thrift Savings Plan (TSP), the federal government's tax-advantaged retirement savings program, closed the month higher.
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September 1, 2026
7 TSP Mistakes Federal Employees Should Avoid Before Retirement
TSP mistakes before retirement are the avoidable errors federal employees make with their Thrift Savings Plan in the final years on the job. You might front-load contributions and lose the agency match, roll the account into an IRA and forfeit the Rule of 55, sit in the wrong funds, or misjudge Roth versus traditional.
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August 31, 2026
2027 Federal Pay Raise: Trump Proposes Pay Freeze for Most Federal Employees
The 2027 federal pay raise, as currently proposed, is a pay freeze for most civilian federal employees. Base pay and locality pay would stay at 2026 rates with no increase.
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