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
July 15, 2026
Will You Lose Your FERS Supplement in 2026?
Your FERS Supplement can be reduced, and in some cases reduced to zero for the year, if your post-retirement earned income exceeds the annual earnings limit. The supplement also normally ends when you reach age 62.
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July 14, 2026
FEHB and Medicare Part B Decision Checklist for Federal Retirees in 2026
Deciding whether to add Medicare Part B to your Federal Employees Health Benefits (FEHB) coverage is one of the biggest choices in federal retirement. This FEHB and Medicare Part B checklist walks you through the main decision points, with the verified 2026 numbers you need to run the math. Federal retirees ask this question often. The checklist below helps you compare premiums, plan benefits, IRMAA exposure, and out-of-pocket risk.
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July 13, 2026
FERS Part-Time Service and LWOP: How Reduced Hours Affect Your Federal Pension
FERS part-time service usually reduces your federal pension through a proration factor. OPM first calculates your annuity with the standard full-time formula, then multiplies it by the ratio of the actual and credited hours it recognizes to the full-time hours possible during your creditable FERS service.
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