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The FERS Supplement (also called the Special Retirement Supplement, or SRS) is a temporary benefit that can significantly boost income for federal retirees before Social Security begins. It is designed to bridge the gap between your retirement date and age 62. If you want to see how it fits into your timeline: https://fersfree.com What Is […]
Read article →One of the most common questions federal employees ask before retiring is: Will my FERS pension be taxed? The short answer is yes at the federal level, but the full answer is more nuanced—especially when you factor in state taxes, TSP withdrawals, and Social Security. If you want to estimate your real net income: https://fersfree.com […]
Read article →One of the most common retirement questions is: How much money do I actually need to retire? For federal employees, the answer is different than for most people because your retirement income usually comes from multiple sources—not just savings. To estimate your own retirement income: https://fersfree.com The Wrong Way to Think About Retirement Many people […]
Read article →Planning federal retirement can feel overwhelming because it involves multiple moving parts: FERS pension TSP savings Social Security VA disability Healthcare (FEHB/Medicare) FERSFree is designed to bring all of these together into one system so you can make informed decisions. Use the tool here: https://fersfree.com Step 1: Enter Your Profile Information Start by entering your […]
Read article →One of the biggest fears in retirement planning is: What happens if I run out of money? For federal employees, this risk looks different than it does for most people because you have multiple income sources—not just savings. To model your retirement income: https://fersfree.com The Short Answer If your TSP runs out: Your FERS pension […]
Read article →If you’re a federal employee, you already have a major advantage most Americans don’t: A structured retirement system that actually works. Yet many federal employees still retire later than necessary—not because they have to, but because they don’t fully understand how to use what they already have. This isn’t about extreme FIRE or quitting at […]
Read article →Many federal employees ask: “What will my retirement actually look like?” Not in theory—but in real numbers. This example breaks down a realistic GS-12 retirement scenario using common assumptions. https://fersfree.com The Scenario Assumptions: GS-12 Step 5 equivalent High-3 salary: $100,000 Years of service: 30 Retirement age: 57 (MRA) TSP balance: $500,000 No military buyback No […]
Read article →Most retirement calculators are built to answer one simple question: “How much money will I have?” That sounds useful—but for federal employees, it’s incomplete. Federal retirement is not based on a single number. It is a multi-system income structure that changes over time. That is where most calculators fall short. FERSFree was built specifically to […]
Read article →Attending a federal retirement seminar is a smart move. But simply showing up is not enough. The real value comes from asking the right questions—especially the ones that apply directly to your situation. https://fersfree.com Why Asking Questions Matters Retirement seminars are usually: General in nature Designed for a broad audience Focused on rules, not personal […]
Read article →Most federal retirement examples focus on higher GS levels. But many employees spend a large portion of their career at GS-9 or similar pay grades. So what does retirement actually look like at that level? https://fersfree.com The Scenario Assumptions: GS-9 Step 5 equivalent High-3 salary: $70,000 Years of service: 30 Retirement age: 57 (MRA) TSP […]
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