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 17, 2026
FERS Disability Retirement in 2026: Eligibility, Benefits, and Application Rules
FERS disability retirement is an annuity for federal employees covered by FERS, the Federal Employees Retirement System, whose medical condition stops them from doing their job.
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September 16, 2026
Military Buyback Under FERS: Cost, Rules, and Pension Impact in 2026
A military buyback under FERS is a deposit, generally 3% of your military basic pay, that can make qualifying active-duty military service count toward your FERS pension. FERS, the Federal Employees Retirement System, doesn't automatically credit most post-1956 active-duty service. Making the deposit through your employing agency can add years of creditable service and increase your annuity for life.
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September 15, 2026
2027 Federal Per Diem Rates: New GSA Lodging and M&IE Rates Explained
For FY 2027, the standard Continental United States (CONUS) per diem consists of a maximum lodging allowance of $113 per night plus a $68 meals and incidental expenses (M&IE) allowance, for a combined listed rate of $181 per day, effective October 1, 2026, through September 30, 2027. The General Services Administration (GSA) Per Diem Bulletin FTR 27-01 raised the standard lodging rate $3, from $110 to $113. The M&IE rate held steady at $68.
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