Alternatives to Pre-Retirement Seminars for FERS Annuity Verification
Pre-retirement seminars cover FERS annuity rules in 45 minutes. Here are the alternatives that go deep enough to actually verify your estimate.
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All articles about The FERS Annuity Guide: High-3, Multipliers & Sick Leave Credit.
Best FERS Annuity Guide for Employees Approaching the 1.1% Multiplier Threshold
The FERS 1.1% multiplier requires age 62 plus 20 years of actual service — sick leave doesn't count. Here's the best resource for verifying your eligibility.
Best FERS Annuity Resource for Employees With Complex Service Histories
Federal employees with transfers, military service, part-time periods, or breaks in service need a FERS resource that audits the inputs — not just estimates the output.
Federal Pension State Tax Exemption: Which States Don't Tax FERS Retirement Income
Not all states tax FERS annuity income. Learn which states fully exempt federal pensions, which partially exempt, and how your state treats FERS retirement pay.
Federal Retirement Checklist 5 Years Out: What to Verify Before You File
A year-by-year federal retirement checklist starting 5 years before your planned retirement date. Covers service records, deposits, FEHB, FEGLI, TSP, and annuity audit steps.
Federal Retirement Planning Mistakes: 8 Errors That Reduce Your FERS Pension
Common FERS retirement mistakes cost federal employees thousands. Learn the 8 planning errors that reduce your pension and how to avoid each one.
FERS 1.1 Percent Multiplier: How to Qualify for the Enhanced Pension Formula
The FERS 1.1% multiplier gives you a 10% pension boost if you retire at 62 with 20 years. Learn the eligibility rules and common mistakes.
FERS Annual Leave Lump Sum at Retirement: How It's Calculated and Taxed
When you retire from federal service, unused annual leave is paid as a taxable lump sum. Learn how the payout is calculated and how to plan for the tax hit.
FERS Annuity Audit Guide vs Federal Retirement Counselor
Comparing a self-directed FERS annuity audit guide against hiring a federal retirement counselor — what each covers, what each costs, and which fits your situation.
FERS COLA 2026: How the Diet COLA Formula Affects Your Federal Pension
The 2026 FERS COLA is 2.0%. Learn how the diet COLA formula works, when you become eligible, and why retirees under 62 get nothing.
FERS High-3 Salary Calculation: What Counts and What Doesn't
Learn how the FERS high-3 average salary works, which pay counts toward the calculation, and how to verify your 36-month window is correct.
FERS MRA+10 Age Reduction Penalty: The 5% Per Year Cost of Early Retirement
Retiring under FERS MRA+10 triggers a permanent 5% per year age reduction. Learn how the penalty works, how to calculate it, and when postponing eliminates it.
FERS Part-Time Proration Factor: How Part-Time Service Reduces Your Pension
Part-time federal service triggers a career-wide proration factor on your FERS pension. Learn how OPM calculates it and what it means for your annuity.
FERS Postponed Retirement: How to Avoid the MRA+10 Penalty and Keep FEHB
FERS postponed retirement lets you separate at MRA, delay your annuity to reduce or eliminate the age penalty, and reinstate FEHB and FEGLI when payments begin.
FERS Retirement Calculator: How to Estimate Your Federal Pension in 2026
Use the FERS retirement calculator formula to estimate your federal pension. Learn the high-3, multiplier, and sick leave inputs that determine your annuity.
FERS Retirement Tax Withholding: How Your Federal Pension Is Taxed
FERS pensions are taxable income, but part of each payment is tax-free. Learn how federal and state withholding works on your retirement annuity.
How to Verify Your FERS Annuity Estimate Without Hiring a Financial Planner
A structured approach for federal employees to verify every input in their FERS annuity estimate using their own records — no advisor retainer required.
Social Security After FERS Retirement: How the Two Benefits Work Together
FERS retirees can collect Social Security alongside their pension. Learn how the three-legged stool works after WEP/GPO repeal and when to claim.
TSP Required Minimum Distribution Age: 73 vs 75 Under SECURE 2.0
Your TSP required minimum distribution age depends on your birth year. Learn the 73 vs 75 split, the Roth TSP exemption, and the super catch-up rule.