What Makes a FERS Advisor Different
FERS Annuity Formula
FERS Pension Formula
High-3 × Years × 1% (or 1.1% at 62+ with 20+ years). Advisors calculate your exact monthly benefit and identify strategies to maximize it.
Social Security Integration
FERS Supplement bridges the gap to 62. Advisors optimize your SS filing date to maximize the Supplement + your SS benefit simultaneously.
TSP Withdrawal Strategy
Lump sum vs. commercial SPIA vs. TSP MetLife annuity — each has dramatically different lifetime income outcomes. Specialists model all three.
Federal Tax Strategies
FEGLI optimization, OPM contribution tax treatment, and Roth conversion timing during your higher-earning working years.
Advisor Tiers — Choose Your Level of Service
| Tier | What You Get | Best For | Cost |
|---|---|---|---|
| Tier 1 | Free Consultation General guidance on FERS benefits, TSP options, and retirement timing. |
Early-career federal employees 10+ years from retirement. | Free |
| Tier 2 | FERS Calculation + SS Timing Analysis Detailed annuity projection, Social Security timing recommendation, TSP strategy. |
Employees 5–10 years from retirement wanting precision. | One-time fee: $500–$1,500 |
| Tier 3 | Full Retirement Plan Comprehensive plan covering pension, TSP, SS, Medicare, FEGLI, and income projection. Ongoing check-ins. |
Employees 2–5 years from retirement ready to commit. | Annual retainer: $1,500–$3,000 |
| Tier 4 | Wealth Management + Estate Planning Full AUM relationship: investments, tax planning, estate documents, ongoing coaching. |
High-income federal employees with complex financial situations. | AUM: 0.5–1.0% of assets |
The RetireStack FERS Referral Process
Fill Out the Form
Tell us your agency, GS level, years of service, and retirement timeline.
We Match You
RetireStack pairs you with a FERS specialist in your state or remote.
Advisor Reaches Out
A Federal Pension Advisors specialist contacts you within 1 business day.
Free Consultation
Start with a free 30-minute call — no obligation, no pressure.
Get Matched with a FERS Specialist
A Federal Pension Advisors specialist will contact you within 1 business day — free consultation, no obligation.
You're matched!
We've received your request. A Federal Pension Advisors specialist will contact you within 1 business day to schedule your free consultation.
Federal Pension Advisors
RetireStack partners with Federal Pension Advisors to deliver FERS-specialized guidance nationwide. Their advisors are ChFEBC® and CFP® certified, fee-only (no commissions), and specialize exclusively in federal retirement planning — FERS, CSRS, TSP, Social Security, and Medicare coordination.
Visit Federal Pension Advisors →RetireStack may receive a referral fee when you connect with this partner. All advisors are independent and not affiliated with RetireStack.
Frequently Asked Questions
Is there a cost for the FERS advisor referral?
No. RetireStack earns a referral fee from the advisor — at no additional cost to you. The advisor's fee covers the referral service, so you pay nothing for the match. Advisors in our network are vetted for fee-only structures and CFP® or ChFEBC® credentials.
Do FERS advisors work remotely?
Yes — most federal retirement planning is done by phone and Zoom. Federal benefits are federal benefits regardless of location, so geography does not limit your options. Our matched advisors work with federal employees across all 50 states.
What's the FERS annuity formula?
Your FERS pension = High-3 Salary × Years of Creditable Service × Multiplier (1% per year, or 1.1% if you retire at age 62+ with 20+ years). Example: GS-13 at $110,000 High-3 with 28 years = $110,000 × 28 × 0.01 = $30,800/year or $2,567/month. The same formula applies whether you're DoD, civilian agency, or USPS — only the High-3 and years vary.
When should I start working with a FERS advisor?
Ideally 5–10 years before your Minimum Retirement Age (MRA). At minimum, start 2 years before your target retirement date. Key decisions like TSP withdrawal strategy, Social Security timing, and FEGLI elections lock in years before you retire — waiting costs you money.
Can I use my agency's HR office instead?
Agency HR provides official information — not personal strategy. They process elections, not retirement plans. A FERS advisor builds a plan specific to your High-3, TSP balance, and goals: maximizing your pension, optimizing TSP withdrawals, timing Social Security, and coordinating FEGLI/FEHBP in retirement.