FEDERAL RETIREMENT SERVICES
PARTNER
We specialize in helping Federal Employees & Military
Many employees are unaware of how their selections affect their future retirement.
We are here to help.
- Understand their benefit options
- Maximize their federal benefits package
- And complete any necessary forms
A Few things we can help you with
- TSP Education
- Benefits Analysis
- FEGLI Vs. Private Insurance
- Social Security Timing
- Lifetime Income Planning
- Long-Term Care Preparation and Insurance
Here’s What You Need to Know
To retire under FERS, you must meet specific age and service requirements, which vary depending on the type of retirement you choose.
For example, under a regular Immediate FERS Retirement, you may qualify if:
You’ve reached your Minimum Retirement Age (MRA) with 30 years of service
You’re age 60 with 20 years of service
Or age 62 with at least 5 years of service
But if you retire before meeting full eligibility—for example, under the MRA + 10 provision—you could face a 5% penalty for every year you retire before age 62. That reduction is permanent and can significantly impact your retirement income for life.
Don’t Let a Missed Detail Cost You Thousands
There are several types of FERS retirement: Immediate, Early, Deferred, and Disability. Each has its own rules, and waiting too long to understand them could lead to:
- Reduced lifetime benefits
- Missed deadlines
- Unexpected penalties
- Limited retirement options
Now is the time to take action. Whether you’re nearing your MRA, considering early retirement, or just starting to plan ahead, reviewing your service history, retirement eligibility, and penalty exposure is crucial.
Retire on your terms—not the system’s. Let’s make sure you’re prepared.
Get Started Today
Our process starts with a free benefits consultation that helps us to break down your unique situation and goals. Once we know your goals, we can use our tools, resources and experience to design a plan to give you income for life. We also specialize in education. Federal employees have exclusive benefits, like the Thrift Savings Plan (TSP), Federal Employees’ Group Life Insurance (FEGLI) and a pension plan. Unfortunately, far too often, clients walk into our offices without any idea where they stand with their retirement accounts.