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
May 13, 2026
Roth TSP vs Traditional TSP: Which Is Better for Federal Employees in 2026?
The choice between Roth TSP vs traditional TSP comes down to one question: do you want to pay taxes now or in retirement? Roth TSP contributions are made with after-tax dollars and grow tax-free.
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May 12, 2026
State Tax on Federal Pension 2026: Which States Tax FERS Annuities
State tax on federal pension 2026 rules vary widely. Some states don't tax federal pension income because they have no broad-based personal income tax, while others specifically exempt qualifying federal civil-service annuities.
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May 11, 2026
Pension vs Retirement Plan: What Is the Difference?
The difference between a pension and a retirement plan is that a pension is one specific type of retirement plan, a defined benefit plan that provides a formula-based monthly income in retirement, funded primarily by the employer and subject to vesting, eligibility, and plan rules.
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