Everything You Need to Plan Your Federal Retirement

#TopArticle

Your FERS Retirement Pension

When you take a FERS Retirement – you’ll receive a monthly pension for the rest of your life. How do you calculate this amount? First – we need to calculate your ‘gross’ pension – then we’ll take a look at...

Read More
#Latest Podcast Episodes

Read Articles

Discover Topics

Listen to Podcasts

View the Full List of Episodes

Get Planning Help

Speak to an Advisor

Just Published

Most Visited

Your FERS Retirement Pension

May 10, 2018
When you take a FERS Retirement – you’ll receive a monthly pension for the rest of your life. How do you calculate this amount?First – we need to calculate your ‘gross’ pension – then we’ll take a look at your…

FERS Supplement

May 10, 2018
Special Benefit for Some FERS Who Retire Before Age 62 Have you heard about the FERS Supplement? It’s an important benefit for FERS planning to retire before age 62 – but it’s so unknown, it’s practically a secret. The FERS Supplement…

Military Buyback 101

May 10, 2018
Military Buyback for Federal Retirement Getting ready for federal retirement? Could a military buyback towards your federal creditable service make sense for you? Lots of Federal Employees have had prior military service. When we talk about buying back military time…
older man and woman

Your High 3 Salary

May 10, 2018
Your High 3 Salary is an important part of your pension calculation for federal retirement.  Your High 3 Salary is the highest average basic pay you earned during any 3 consecutive years of Federal service.You should also know that your…

Understanding Your FERS Retirement

May 10, 2018
When we talk about your FERS Retirement, we’re really talking about several different benefits. FERS (Federal Employees Retirement System) has three main components:Basic FERS Retirement PensionSocial SecurityThrift Savings Plan (TSP)Your FERS pension and Social Security will be fixed dollar amounts….

“Can you have a Roth TSP and a Roth IRA?”

June 26, 2019
The Thrift Savings Plan (TSP) was created under the Federal Employee’s Retirement System Act of 1986 for federal employees and members of the uniformed services. This is an Employer-sponsored retirement account that allows participants, Federal Employees, to participate in a…

Ep #11: Should I Stay or Should I Go?

November 23, 2020
When is the right time to retire? And what are the different options as a federal employee? While everyone wants to retire early, the fact is the “perfect time” is different for everyone. So in this episode, Micah and Tammy…

FERS Survivor Benefits

May 10, 2018
When most people think of FERS survivor benefits – they think of the survivor annuity.But you should know that there are actually many different survivor benefits in the Federal Employee Retirement System (FERS).FERS has several items with survivor benefit options…

Taxation of Federal Retirement Benefits

May 10, 2018
How Will Your Federal Retirement Benefits Be Taxed?Many people simply forget – or perhaps just don’t understand the taxation of federal retirement benefits.Taxes will have a big impact on your federal retirement. And if you forget to factor taxes into…

FERS Deferred Retirement vs. FERS Postponed Retirement

May 10, 2018
You may have heard of FERS deferred retirement – where you separate from service now, but start your FERS pension later. But you might also be eligible for a Postponed FERS Retirement.If you’re thinking about leaving federal service – it’s…

Your Federal Retirement Benefits Are Just One Piece of Your Financial Puzzle

The Federal Retirement system is one of the most complex benefits programs around. There are so many exceptions, special provisions, and exclusions that it can be difficult to keep track of your benefits.

My name is Micah Shilanski.  I’m a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement benefits.

Unique Experience in Federal Retirement

I’m the founder of Plan-Your-Federal-Retirement.com. I’ve written articles for FedSmith.  I’ve been featured in articles for NARFE and GovExec.  I teach FERS Pre-retirement classes. I’ve mentored other financial planners.  And I’ve even had the pleasure of teaching online webinars and in-person classes with Tammy Flanagan.

But my most important experience comes from working one-on-one with my financial planning clients.

Most of my clients are federal employees just like you.  I help my clients go from big picture to getting through all the nitty-gritty details to help them achieve the retirement of their dreams.

This is different than the experience of most federal retirement experts.  Because very few have had the same privilege to work one-on-one with federal employees through the entire federal retirement process – *and* continue to work with them for years afterwards.

I’ve seen the mistakes that people (and even some professionals!) can make, and I want to help you avoid them.

You can find lots of information online about federal retirement. But Plan-Your-Federal-Retirement.com is different.  Because we approach your federal benefits from a financial planning perspective.

Our goal here is to help you understand how your benefits work *and* how they fit into the rest of your financial picture. Because it’s important to understand your federal retirement benefits.  But your federal retirement benefits are just one piece of your financial puzzle. The rest of the story involves how your benefit choices will impact the rest of your financial picture.

Worried You’re Missing Something?

Want to be sure you’re not missing important aspects of your retirement planning?  Then you’ll want to be on the list to receive our ezine newsletter.  Each month, we publish an original article on important retirement topics for federal employees.

Your benefits are complex. But it’s worth the time to learn about them to make sure you’re not missing anything. You’ve devoted years, maybe decades of your life to federal service.  It would be a shame to separate from service and miss out on benefits because you didn’t know about them.

Make sure you get the most up to date information from Plan-Your-Federal-Retirement.com.

3 Critical Concepts that Most Federal Employees Miss When Planning Their Retirement​

Year after year I see Federal Employees missing the same critical concepts in their federal retirement planning. That’s why I’ve created an online workshop to help educate Federal Employees on these critical concepts.

Your Financial Planners

Get the most out of your federal retirement benefits by taking advantage of the FERS resources created by Micah Shilanski, CFP®, and the team of independent financial advisors at Shilanski & Associates, Inc. Join the thousands of federal employees who trust us to guide them in their retirement planning journey because of our unique perspective of how your FERS benefits contribute to your comprehensive financial plan.

FERS Federal Fact Check

Sign up to receive bi-monthly newsletters from the financial experts at Plan Your Federal Retirement!
  • This field is for validation purposes and should be left unchanged.

7 CLASSIC RETIREMENT MISTAKES Federal Employees Make

Join Our Newsletter & Learn About The 7 Critical Mistakes FEDs Make

Your privacy is our top priority, and we promise to keep your email safe! For more information, please see our privacy policy.