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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
December 22, 2025
Federal Pay Raise 2026: What the 1% Increase Really Means for Federal Employees
The federal pay raise 2026 has now been finalized, ending months of uncertainty for federal employees who closely monitor annual pay decisions. On December 18, Donald Trump signed an executive order confirming a 1% across-the-board pay increase for most civilian federal employees, marking the smallest federal pay adjustment since 2021.This decision follows an alternative pay plan issued earlier in August, which also proposed a 1% increase for civilian employees in 2026 signaling a consistent approach to restrained pay growth rather than a last-minute revision.
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December 19, 2025
How to Submit Retirement Paperwork Before Year-End: A Step-by-Step Guide for Federals
The smartest move to submit retirement paperwork before the year's end is to start early and stay methodical. Most federal employees should begin the process 90 to 120 days before their planned retirement date. This window gives you enough time to coordinate with your human resources office, access your agency’s retirement system or portal, such as Aura, gather all required documents, and fix any gaps before deadlines close. You also need to stay alert during Open Season so your health benefits elections do not conflict with your retirement processing.
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December 18, 2025
DRP Is Reshaping Federal Retirement Timelines: Benefits, Drawbacks, and Planning Considerations
The Deferred Resignation Program (DRP) has become a material factor in federal retirement timing. Although the program was not designed as a retirement incentive, its structure allows some employees to extend creditable service and maintain benefits long enough to reach statutory retirement thresholds. At the same time, DRP participation has contributed to a significant increase in retirement application volume and has introduced additional planning risks related to benefit continuity, separation timing, and retirement processing delays. This article explains how DRP affects federal retirement timelines, what it provides during the deferred period, where it can improve outcomes, and where it creates measurable risk.
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