Transform Your Benefits into a Brighter Future
The Federal Employees Retirement System (FERS) was introduced in 1987 to replace the older CSRS system. It provides a reliable retirement income for U.S. federal employees, based on their age and years of service. FERS includes pensions and other benefits in four key areas. At Federal Pension Advisors, we simplify FERS for you. We educate you on how the system works, helping you maximize your benefits!
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.
Get your federal retirement questions answered — free.
Free 30-minute call with an independent, licensed professional in your state. No obligation.
Read Our Latest Blogs
October 29, 2026
2027 FEHB Self Only vs. Self Plus One vs. Self and Family: Which Enrollment Tier Costs Less?
For most federal employees, comparing 2027 FEHB Self Only vs. Self Plus One vs. Self and Family, Self Only is the cheapest tier. Self Plus One is the middle option for two-person households. Self and Family is the most expensive for groups of three or more.
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October 28, 2026
Retiring After a Federal Workforce Change: What Happens to Your Retirement Strategy?
A federal workforce change can take several forms: a reduction in force, an early-out offer, a reorganization, or a transfer of function. When one lands on your desk, the question that follows is almost always the same: what happens to your retirement strategy?
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October 27, 2026
The October 2026 Federal Retirement Checklist: What to Review Before 2027
Before 2027, federal employees and annuitants should complete an end-of-year review between October and December 2026. The goal: lock in benefit, tax, and estate decisions before the January 2027 plan year starts.
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