Understanding What Your “High-3” Means when Calculating Your FERS Retirement
As a Federal Employee, your High-3 average salary refers to the average of the highest three consecutive years of base pay earned. This is calculated
As a Federal Employee, your High-3 average salary refers to the average of the highest three consecutive years of base pay earned. This is calculated
Nealy asks a question that we see every now and then from federal employees: “Should you collect unemployment while you’re waiting on your Federal
“Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I plan
I am aware that after I put in ten years’ federal civilian creditable service and then retire, my FERS annuity will be reduced monthly by
Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past year
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
I am considering leaving federal civilian employment after 14 years, which includes 8.5 years of military service. I read that I can still draw the
“Hello, I am a retired 58 yr old federal employee that retired after 34 years of service. My wife and I are looking at buying
What is an Immediate Retirement under FERS? The Immediate Retirement under FERS is the main way of qualifying for the pension. Sometimes it’s referred to
What is a Postponed Retirement under FERS? A Postponed Retirement is another alternative option of federal retirement that is similar to the Deferred Retirement option. Both options
How is my benefit calculated? In order to calculate your FERS pension, you will need to know your creditable years of service as well as
“Mr. Shilanski, Social Security Survivors Benefit question. I am under the FERS program and I plan to retire late this calendar year. I am 65
As a Federal Employee, your High-3 average salary refers to the average of the highest three consecutive years of base pay earned. This is calculated
Nealy asks a question that we see every now and then from federal employees: “Should you collect unemployment while you’re waiting on your Federal
“Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I plan
I am aware that after I put in ten years’ federal civilian creditable service and then retire, my FERS annuity will be reduced monthly by
Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past year
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
I am considering leaving federal civilian employment after 14 years, which includes 8.5 years of military service. I read that I can still draw the
“Hello, I am a retired 58 yr old federal employee that retired after 34 years of service. My wife and I are looking at buying
What is an Immediate Retirement under FERS? The Immediate Retirement under FERS is the main way of qualifying for the pension. Sometimes it’s referred to
What is a Postponed Retirement under FERS? A Postponed Retirement is another alternative option of federal retirement that is similar to the Deferred Retirement option. Both options
How is my benefit calculated? In order to calculate your FERS pension, you will need to know your creditable years of service as well as
“Mr. Shilanski, Social Security Survivors Benefit question. I am under the FERS program and I plan to retire late this calendar year. I am 65
As a Federal Employee, your High-3 average salary refers to the average of the highest three consecutive years of base pay earned. This is calculated
Nealy asks a question that we see every now and then from federal employees: “Should you collect unemployment while you’re waiting on your Federal
“Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I plan
I am aware that after I put in ten years’ federal civilian creditable service and then retire, my FERS annuity will be reduced monthly by
Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past year
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
I am considering leaving federal civilian employment after 14 years, which includes 8.5 years of military service. I read that I can still draw the
“Hello, I am a retired 58 yr old federal employee that retired after 34 years of service. My wife and I are looking at buying
What is an Immediate Retirement under FERS? The Immediate Retirement under FERS is the main way of qualifying for the pension. Sometimes it’s referred to
What is a Postponed Retirement under FERS? A Postponed Retirement is another alternative option of federal retirement that is similar to the Deferred Retirement option. Both options
How is my benefit calculated? In order to calculate your FERS pension, you will need to know your creditable years of service as well as
“Mr. Shilanski, Social Security Survivors Benefit question. I am under the FERS program and I plan to retire late this calendar year. I am 65
As a Federal Employee, your High-3 average salary refers to the average of the highest three consecutive years of base pay earned. This is calculated
Nealy asks a question that we see every now and then from federal employees: “Should you collect unemployment while you’re waiting on your Federal
“Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I plan
I am aware that after I put in ten years’ federal civilian creditable service and then retire, my FERS annuity will be reduced monthly by
Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past year
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
I am considering leaving federal civilian employment after 14 years, which includes 8.5 years of military service. I read that I can still draw the
“Hello, I am a retired 58 yr old federal employee that retired after 34 years of service. My wife and I are looking at buying
What is an Immediate Retirement under FERS? The Immediate Retirement under FERS is the main way of qualifying for the pension. Sometimes it’s referred to
What is a Postponed Retirement under FERS? A Postponed Retirement is another alternative option of federal retirement that is similar to the Deferred Retirement option. Both options
How is my benefit calculated? In order to calculate your FERS pension, you will need to know your creditable years of service as well as
“Mr. Shilanski, Social Security Survivors Benefit question. I am under the FERS program and I plan to retire late this calendar year. I am 65
Advisory services offered through Shilanski & Associates, Inc., an Investment Adviser doing business as “Plan Your Federal Retirement”. Plan Your Federal Retirement is not employed by the United States Federal Government and does not represent the United States Federal Government. All content on this site if for information purposes only. This website is not personalized investment advice. Securities investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful. Please review our Customer Relationship Summary (Form ADV Part 3) for important information about our services and fees.
Opinions expressed herein are solely those of Shilanski & Associates, Incorporated, unless otherwise specifically cited. Material presented is believed to be from reliable sources, and no representations are made by our firm as to other parties, informational accuracy, or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.
Content provided herein is for informational purposes only and should not be used or construed as investment advice or recommendation regarding the purchase or sale of any security. There is no guarantee that any forward-looking statements or opinions provided will prove to be correct. Securities investing involves risk, including the potential loss of principle. There is no assurance that any investment plan or strategy will be successful.
Copyright © 2025 Shilanski & Associates, Inc.