FERS & CSRS employees
Pension & Supplement Analysis (FERS/CSRS)
Understand your FERS or CSRS pension calculation, the FERS supplement, and what they mean for you.
Overview
Your federal pension is the foundation of your retirement income. We break down how your FERS or CSRS annuity is calculated, explain the FERS retirement supplement, and show how your high-3, service time, and retirement age affect your payout.
What We Review
- Your FERS or CSRS annuity estimate and how the formula applies to your service
- The FERS Social Security Supplement — eligibility, amount, and the earnings test
- How a postponed vs. immediate annuity changes your payout
- The effect of unused sick leave on your calculation [VERIFY]
Why It Matters
The FERS supplement and annuity calculation rules are some of the most misunderstood parts of federal retirement. Knowing your true baseline lets the rest of your plan fall into place. [VERIFY] all figures with OPM guidance and your service computation.
Your deliverable
A pension analysis summary with key inputs and projected annuity figures noted [VERIFY].
How this service works
Every engagement follows the same simple four-step process — ending with a plan you can act on.
- 1
Book a free consultation
Schedule a 30–45 minute, no-cost conversation by phone, video, or in person.
- 2
Share your benefits information
Send your annuity estimate, TSP statement, and insurance details so we can review your full picture.
- 3
Receive your personalized analysis
We build your gap analysis report, identifying strengths and gaps in your current plan.
- 4
Review your retirement plan
We walk through your analysis together and outline clear, prioritized next steps.
Ready to see where your federal retirement stands?
Your free 30–45 minute consultation is a working session, not a sales pitch. Let's find the gaps before retirement finds them for you.
No cost · No obligation · Phone, video, or in person