When Can I Retire as a FERS Federal Employee: The Ultimate Guide

Federal employees are known to have great retirement benefits but there are numerous rules and requirements that have to be met in order to be eligible for and maximize all of these benefits.

This article will go into depth into when you are eligible to retire as well as all the types of retirement that may make sense for you.

Note: If you are a special provisions employee (fire fighter, air traffic controller, law enforcement) then you’ll want to check out this article instead.

https://hawsfederaladvisors.com/when-can-i-retire-as-a-special-provisions-federal-employee-air-traffic-controller-fire-fighter-law-enforcement

Types of Retirement

The flowchart below will walk you through the different types of retirement and what it takes to be eligible for them.

For each type of retirement, there will be a link below to an in-depth article about the nuances of each type.

Here is more information about each one of the different types of retirement.

Immediate/Voluntary Retirement

MRA+10 Retirement

Postponed Retirement

Deferred Retirement

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Dallen J. Haws, CFP®, MBA

CEO and Lead Planner

Dallen is one of the most sought after federal retirement experts in the country.

He routinely speaks/consults with thousands of federal employees about their benefits and retirement. He is a self-professed nerd about helping those under FERS to maximize benefits, reduce taxes, and retire confident.

He is a regular contributor to Govexec and FedSmith and many other federal employee new sites.

When he is not perfecting retirement plans, you can find him training for triathlons or going on adventures with his family.

Common Questions

What do you do?

We are the go-to financial planning firm/financial advisors for FERS federal employees all around the country (and the world). We help our clients maximize their benefits, reduce taxes, and retire confident.

Who do you serve?

We serve FERS federal employees everyday, all day, and twice on Sunday. We eat and breath federal benefits and are proud to be the go-to financial planners for FERS federal employees all around the world.

How do you make money?

We are a commission-free (a.k.a. fee-only) financial planning firm for FERS federal employees. Our fees depend on the complexity of your situation but our fees are always very transparent. Some financial advisors are commission-based, which may cause fees to be hidden or create conflicts of interest. Not us. Our goal is to lower your taxes, maximize your benefits, and make sure you can retire without worry. For more info about our fees, click here.

Can you meet virtually and work with people in other locations?

Yep! We work with people from all over the U.S. as well as many federal employees who are stationed overseas.

What areas do you help your clients with?

Great question. Here are the 5 areas that we help our clients with:

-Retirement Planning: Planning for the day when work is optional

-Investment Planning: Building wealth for your future

-Tax Strategy: Taking advantage of opportunities in the tax law

-Insurance Planning: Protecting your loved ones and what you’ve already built

-Estate Planning: Planning for those you leave behind

One thing we found that clients really appreciate is that no other financial advisor is able to help them with their federal benefits as well as the rest of their financial lives like we can.

Disclosures