Transform Your Benefits into a Brighter Future

The Federal Employees Retirement System (FERS) was introduced in 1987 to replace the older CSRS system. It provides a reliable retirement income for U.S. federal employees, based on their age and years of service. FERS includes pensions and other benefits in four key areas. At Federal Pension Advisors, we simplify FERS for you. We educate you on how the system works, helping you maximize your benefits!

You’re not alone; 4,359 federal employees booked their free review.

9 appointments taken in the last 24 hours.
We've had over 65 bookings this week, with demand surging.
Only 23 slots are left. Once these 23 slots are gone, new bookings will open next month.
Avoid common errors (TSP matching, Roth/TSP pitfalls, early Social Security claiming) that can drain retirement savings. Learn what those mistakes mean for your balance. Studies show federal employees who plan with an advisor can unlock up to $18,000 more in lifetime benefits (see Annuity.org Retirement Stats)
Let’s Start With a Free Consultation

Your Money, Your Way— Choose How You Get Paid

No items found.

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.

No items found.

Begin Your Federal Retirement Journey Today

Let Federal Pension Advisors help you take the next step with clarity, confidence, and care.

No items found.

Read Our Latest Blogs

December 5, 2025

FEHB and Retirement in 2025: How to Keep Your Coverage, Manage Premiums, and Coordinate with Medicare

If you’re a federal employee or retiree, FEHB and retirement go hand in hand. In 2025, though, the conversation feels more urgent.

Read More

December 4, 2025

Federal Benefits Open Season 2025: Dates, Schedule, and Planning Guide for Federal Employees

Federal Benefits Open Season 2025 is your once-a-year chance to clean up, upgrade, or simplify your federal benefits for the 2026 plan year.

Read More

December 3, 2025

Do Federal Employees Get Short-Term Disability Benefits? Here’s What You’re Really Covered For

Many federal employees are surprised to learn that they don’t receive traditional short- or long-term disability insurance, especially when private-sector workers often do.

Read More