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 8, 2026
2027 FEHB Premiums Are Up 10.9% on Average for Enrollees: What to Do Before Open Season
2027 FEHB premiums are up 10.9% on average for the enrollee share, so you should compare plans before Open Season ends on December 14, 2026. The 2027 FEHB premium increase is the average 10.9% rise in the portion of Federal Employees Health Benefits (FEHB) premiums that enrollees pay. Updated October 2026.
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October 7, 2026
FERS Supplement: Who Gets It & How Much (2026)
If you are retiring from federal service before age 62, you may be eligible for a temporary monthly payment called the FERS Supplement. It is designed to bridge the income gap until you become eligible for Social Security.
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October 6, 2026
Required Minimum Distributions (RMDs) for Federal Employees: TSP Start Ages, Calculations, and Penalties
Required minimum distributions (RMDs) for federal employees are the annual withdrawals the IRS requires from a traditional TSP account. The TSP, or Thrift Savings Plan, is the federal government's tax-advantaged retirement savings program
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