Where Can You Find help to Plan for Your Retirement from the FERS?

When contemplating the climb a massive mountain like Mt. Everest, most initially only think about the climb - getting there! Once at Everest Base Camp, it then takes an average of 40 days to climb to the peak of Mt. Everest. Few realize that It can take a few days or a week to descend, from the summit. Climbers must be extra cautious, in either the climb or the descent - following an experienced guide is essential for survival.

Your progression to retirement is much the same. Planning for retirement day is a career-long trek for which you seek guidance from financial professionals to multiply and protect your savings. However once you reach the peak of your career, aka retirement, it is wise to seek the assistance of an experienced guide to help you navigate the exit process of the FERS including timing, paperwork and choosing the correct options that fit your unique circumstances. To that end, here are some practical suggestions.

Certain Goals Require Guidance

WHAT GOES UP - MUST COME DOWN

Take Your Time, You Have Many Options

There is no sense in rushing into a decision, or feeling like you need to work with the first advisor you meet. Often times people work with a financial planner for decades - right on thru retirement. This is a long term relationship and there are many financial agents to choose from. You should feel comfortable and be put at ease by your interaction with the financial agent you choose. Look for a financial professional who is attentive, listens to your concerns, and takes the time to explain complex financial concepts in a way that you can understand. Check references, reviews and credentials to be sure you are working with an individual or agency that will put your needs first.

Know Before You Go

It is always good to know your needs before meeting with an advisor. Take some time to identify your financial goals & retirement needs. For example, you could take the five needs of retirement and place them in order of importance to you. The needs we are referring to are: Stability, Income, Growth, Death Benefit & Liquidity. Rank these five things in order of their importance to you. Then share that information with the financial agent of your choice. Understanding your needs will help you and your advisor to find a plan of action that is most relevant to your unique circumstances. Good communication is essential to a successful plan!

QUALIFIED FEDERAL RETIREMENT ADVISORS AREN NOT IN SHORT SUPPLY

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Download and fill out this helpful worksheet. It will help you communicate your unique needs to the agent you choose to help you with your retirement planning!

FREE! 5 Needs Worksheet

Use A Recommend Agent From FERS Consulting

BACKGROUND CHECKED, LICENSED AND VETTED FOR YOUR SAFETY

FERS Consulting works with a network of highly ethical and dedicated financial professionals who specialize in helping federal employees navigate every stage of their federal careers. To remain part of our network, advisors must pass background checks, maintain valid licenses and appointments, demonstrate a commitment to high professional standards, and continue their education while upholding strong ethical practices and trust.

Contact Us

Have questions about your federal retirement? We’re here to help. Fill out the form below and a licensed FERS specialist will reach out with clear, personalized guidance tailored to your service, benefits, and retirement goals. Your path to confident retirement planning starts here.

CONSULTATIONS ARE FREE