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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 24, 2025
Senate Moves to Slow FEMA and CISA Staff Cuts: What Federal Employees Need to Know
Federal employees across government are closely monitoring staffing decisions as agencies continue to manage budget constraints, hiring freezes, and workforce reductions. Recent action by Senate appropriators has brought renewed attention to staffing levels at the Federal Emergency Management Agency (FEMA) and the Cybersecurity and Infrastructure Security Agency (CISA) two agencies that have experienced significant workforce losses.
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December 24, 2025
Federal Layoffs on Hold: What the Court Order and Appeal Mean for Federal Jobs, Benefits, and Retirement
In December 2025, a federal judge ordered the Trump administration to temporarily reverse certain reductions in force (RIFs) that led to federal employee layoffs during the recent government shutdown. The ruling affects hundreds of employees who were officially separated and has paused the implementation of those layoffs while the case continues through the courts.The decision has intensified concerns around federal layoffs, particularly as agencies navigate ongoing budget pressures and workforce restructuring. With an appeal now underway, many federal employees are asking the same questions: What exactly happened? What does this mean for my job and benefits? And how could this affect my retirement?
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December 23, 2025
Reserve Retirement Year-End Checklist: 7 Things Federal Employees Must Lock In Before 2026
For federal employees and reservists, year-end isn’t a formality — it’s a closing window. The final weeks of 2025 may be your last opportunity to fix service records, optimize pension math, and position your TSP and taxes before rules, limits, and timelines reset in 2026.
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