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
October 15, 2026
2026 IRA Contribution Limits (and Roth IRA Limits Explained for Federal Employees)
The 2026 IRA contribution limits increase to $7,500 per year, up from $7,000 in 2025. Savers age 50 and older qualify for an additional $1,100 catch-up contribution, bringing their total allowable amount to $8,600.
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October 14, 2026
The 2027 Federal Benefits Squeeze: Pay Freeze, FEHB Costs and COLA Explained
FEHB costs and COLA explained: if you're a federal employee or retiree, you face three issues heading into 2027. First, under the announced 2027 pay plan, base and locality pay are frozen for most covered civilian employees.
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October 13, 2026
OPM Retirement Backlog Nears Steady-State Goal: What This Means for Federal Retirement Applications
The OPM retirement backlog has fallen to its lowest level since the current surge began in late 2025. The queue is now within reach of the agency’s long-stated steady-state goal of 13,000 pending claims.
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