Terms of use and disclaimer
Last updated November 12, 2026
Education only, not advice
Everything on FERS Consulting, including articles, calculators and examples, is general education. It is not financial, investment, tax or legal advice and does not create a client relationship. Calculator results are estimates based on simplified assumptions. Your official benefits are determined by OPM, your agency, the TSP and SSA.
No government affiliation
This site is privately owned and is not affiliated with, endorsed by, or connected to the U.S. Office of Personnel Management (OPM) or any government agency. Information is for education only, not financial advice.
Full disclaimer
FERS Consulting (fersconsult.com) is a privately owned website. We are not affiliated with, endorsed by, or connected to the U.S. Office of Personnel Management (OPM), the Federal Employees Retirement System (FERS), the Thrift Savings Plan (TSP) or the Federal Retirement Thrift Investment Board (FRTIB), the Social Security Administration (SSA), or any other federal agency or government entity. References to OPM, FERS, TSP, FEHB, FEGLI or other programs are for identification and education only.
Educational purposes only. Everything on this site, including articles, calculators, checklists and the countdown tool, is general educational information. It is not financial, investment, tax or legal advice, and it is not a recommendation for any person's situation. Calculator results are estimates; your official figures come from OPM and your agency when your retirement is processed. Rules and figures can change, so always confirm with official sources before making decisions.
No tax advice. We do not provide tax advice. For tax questions, please consult a qualified tax professional such as a CPA or enrolled agent.
Introductions to financial professionals. A purpose of this site is to help facilitate an introduction between federal employees and a licensed financial professional who specializes in the FERS retirement system. FERS Consulting does not itself provide financial planning, investment, insurance or tax services. Any professional you choose to speak with is independent, and any advice, products or services they offer are solely their responsibility. Scheduling a call is free and creates no obligation. Please do your own due diligence before acting on any recommendation.
No guarantees. We work to keep information accurate and current, citing official sources, but we make no guarantee that it is complete, current or error-free, and we are not liable for decisions made based on it.
By using this site, you agree to this disclaimer.
Accuracy
We work to keep content accurate and cite official sources (see our editorial policy), but rules change and errors can happen. Verify important decisions with official sources and qualified professionals.
Third parties
Links to official and third-party sites are for convenience. A free consultation is provided by an independent licensed professional, not by this site; see our disclosure.
Limitation of liability
[To be finalized with counsel.]