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Understanding how your FERS pension is calculated is one of the most important parts of federal retirement planning. The good news is that the formula itself is relatively straightforward. Your pension is primarily based on three things: Your high-3 salary Your years of service Your retirement multiplier When combined correctly, these determine your lifetime pension […]
Read article →Federal retirement is full of small decisions that can create very large financial consequences. A slightly wrong retirement date, poor TSP timing, or missing FEHB eligibility can cost thousands over time. If you want to stress-test your plan: https://fersfree.com 1) Choosing the Wrong Retirement Date A poor date can impact: Pension timing Leave payout FEHB […]
Read article →One of the most important—and emotional—decisions in federal retirement planning is: Should you elect a FERS survivor benefit? This decision affects: Your monthly pension Your spouse’s financial security Your long-term retirement strategy If you want to see how this impacts your income: https://fersfree.com What Is a FERS Survivor Benefit? A survivor benefit allows your spouse […]
Read article →If you are eligible for MRA+10 retirement, the biggest question is: Should you retire now, or wait? This decision can have a permanent impact on your pension. If you want to compare your exact scenarios: https://fersfree.com What Is MRA+10? MRA+10 allows you to retire at: Minimum Retirement Age (usually 56–57) With at least 10 years […]
Read article →One of the biggest questions federal employees ask before retirement is: How much monthly income can my TSP actually produce? The answer depends on your balance, withdrawal strategy, and other income sources like your FERS pension. If you want to model your exact numbers, use the calculator here: https://fersfree.com Start With the Right Question Instead […]
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