FERS Retirement Planning

FERS Retirement Planning is all about understanding the Federal Employees Retirement System (FERS), which forms the foundation of your retirement benefits. We’ll guide you through the eligibility criteria, benefit calculations, and critical milestones to ensure you make the most of your federal retirement package.

Planning your retirement under FERS requires careful consideration of various factors, such as age and years of service, and choosing the right retirement date. To learn more or find answers to your specific questions, check out our content below.

Streams of Income

Ep #76: Streams of Income

Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and...

Read More »
Follow Up Friday - The Importance of Building a Financial Plan

Follow Up Friday – The Importance of Building a Financial Plan

Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the...

Read More »
The importance of Building a Financial Plan

Ep #75: The Importance of Building a Financial Plan

Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,...

Read More »
Choosing the best Retirement Plan

Ep #74: Choosing the best Retirement Plan

Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much...

Read More »
FERS Supplement and Earnings Limitations

FERS Supplement and Earnings Limitations

“August 2023 I will turn 62 and stop receiving the OPM Social security . After August for the remainder of 2023 will I still be...

Read More »
Follow Up Friday - Costly Mistakes

Follow Up Friday – Costly Mistakes

Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that...

Read More »
costly mistakes

Ep #73: Costly Mistakes

Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account?  Changes regarding insurance? Life insurance, health insurance…...

Read More »
Withdrawing from Your TSP

Withdrawing from Your TSP

“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. Demystifying TSP Withdrawals TSP...

Read More »
FEHB in Retirement

FEHB in Retirement

“Hello , I worked for 11 years as a federal employee until age 57, now I am 62 , can I still get fehb, ie...

Read More »
Follow Up Friday - Secure Act 2.0 with Steven Jarvis

Follow Up Friday – Secure Act 2.0 with Steven Jarvis

Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman....

Read More »
Secure Act 2.0 with Steven Jarvis

Ep #71: Secure Act 2.0 with Steven Jarvis

Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –...

Read More »
Changes in Planning Over The Years Social Security

Ep #70: Changes in Planning Over The Years, Social Security

Listen to the Full Episode: The benefits in retirement that Federal Employees have are based on three things: Pension Social Security TSP To avoid misconceptions...

Read More »
Deferred Retirement and Postponed Retirement

Choosing between Deferred Retirement and Postponed Retirement

“I plan to retire at age 57 with an MRA + 10 option. I don’t plan on taking my FERS retirement out until later age...

Read More »
Social Security Increase and Cash Flow

Ep #68: Social Security Increase and Cash Flow

Listen to the Full Episode:   Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve...

Read More »
Does it make sense to consolidate for your retirement?

Does it make sense to consolidate for your retirement?

“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a...

Read More »
Spending Money In Retirement

Ep #64: Spending Money in Retirement

Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is...

Read More »
TSP when the markets are down

Ep #63: When Your TSP is Down 25%

Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things....

Read More »
Divorce and Yout Pension

Divorce and Your Pension

“I am in the process of divorcing (prior to my federal retirement). I am considering agreeing to providing my soon to be ex-spouse partial survivor...

Read More »
Roth Conversions and Taxes

Roth Conversions and Taxes

“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70....

Read More »
Using FERS as a Down Payment

Using FERS as a Down Payment

“Can I withdraw my FERS to use as a down payment for purchase of Real Estate?” – Tracey. https://www.youtube.com/watch?v=CPm4DDHl0-c&feature=youtu.be When Federal Employees use their retirement...

Read More »
costly mistakes

Ep #73: Costly Mistakes

Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account?  Changes regarding insurance? Life insurance, health insurance…

Read More »
Using FERS as a Down Payment

Using FERS as a Down Payment

“Can I withdraw my FERS to use as a down payment for purchase of Real Estate?” – Tracey. https://www.youtube.com/watch?v=CPm4DDHl0-c&feature=youtu.be When Federal Employees use their retirement

Read More »
costly mistakes

Ep #73: Costly Mistakes

Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account?  Changes regarding insurance? Life insurance, health insurance…

Read More »
Using FERS as a Down Payment

Using FERS as a Down Payment

“Can I withdraw my FERS to use as a down payment for purchase of Real Estate?” – Tracey. https://www.youtube.com/watch?v=CPm4DDHl0-c&feature=youtu.be When Federal Employees use their retirement

Read More »
Streams of Income

Ep #76: Streams of Income

Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and...

Read More »
Follow Up Friday - The Importance of Building a Financial Plan

Follow Up Friday – The Importance of Building a Financial Plan

Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the...

Read More »
The importance of Building a Financial Plan

Ep #75: The Importance of Building a Financial Plan

Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,...

Read More »
Choosing the best Retirement Plan

Ep #74: Choosing the best Retirement Plan

Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much...

Read More »
FERS Supplement and Earnings Limitations

FERS Supplement and Earnings Limitations

“August 2023 I will turn 62 and stop receiving the OPM Social security . After August for the remainder of 2023 will I still be...

Read More »
Follow Up Friday - Costly Mistakes

Follow Up Friday – Costly Mistakes

Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that...

Read More »
costly mistakes

Ep #73: Costly Mistakes

Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account?  Changes regarding insurance? Life insurance, health insurance…...

Read More »
Withdrawing from Your TSP

Withdrawing from Your TSP

“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. Demystifying TSP Withdrawals TSP...

Read More »
FEHB in Retirement

FEHB in Retirement

“Hello , I worked for 11 years as a federal employee until age 57, now I am 62 , can I still get fehb, ie...

Read More »
Follow Up Friday - Secure Act 2.0 with Steven Jarvis

Follow Up Friday – Secure Act 2.0 with Steven Jarvis

Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman....

Read More »
Secure Act 2.0 with Steven Jarvis

Ep #71: Secure Act 2.0 with Steven Jarvis

Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –...

Read More »
Changes in Planning Over The Years Social Security

Ep #70: Changes in Planning Over The Years, Social Security

Listen to the Full Episode: The benefits in retirement that Federal Employees have are based on three things: Pension Social Security TSP To avoid misconceptions...

Read More »
Deferred Retirement and Postponed Retirement

Choosing between Deferred Retirement and Postponed Retirement

“I plan to retire at age 57 with an MRA + 10 option. I don’t plan on taking my FERS retirement out until later age...

Read More »
Social Security Increase and Cash Flow

Ep #68: Social Security Increase and Cash Flow

Listen to the Full Episode:   Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve...

Read More »
Does it make sense to consolidate for your retirement?

Does it make sense to consolidate for your retirement?

“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a...

Read More »
Spending Money In Retirement

Ep #64: Spending Money in Retirement

Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is...

Read More »
TSP when the markets are down

Ep #63: When Your TSP is Down 25%

Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things....

Read More »
Divorce and Yout Pension

Divorce and Your Pension

“I am in the process of divorcing (prior to my federal retirement). I am considering agreeing to providing my soon to be ex-spouse partial survivor...

Read More »
Roth Conversions and Taxes

Roth Conversions and Taxes

“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70....

Read More »
Using FERS as a Down Payment

Using FERS as a Down Payment

“Can I withdraw my FERS to use as a down payment for purchase of Real Estate?” – Tracey. https://www.youtube.com/watch?v=CPm4DDHl0-c&feature=youtu.be When Federal Employees use their retirement...

Read More »