FERS Retirement Planner
How to Retire and Manage Your Income Tax Bracket
We advise Federal Employees all over the United States and utilize virtual meetings to make it very easy to get the information and help you need.
FERS Retirement Planner
A fundamental aspect of our role as a Federal Employees Retirement System Planner is to provide impartial education to those Federal Employees approaching retirement and those already retired, helping them make informed decisions about their options. The reality is that there is an abundance of advisors available, both good and bad news. However, it's crucial to recognize that not all financial advisors are on equal footing.
Here at The Spivak Financial Group, we are truly independent Financial Advisors. Our team has 50+ years of combined financial planning experience. Our certifications and licenses allow us to offer a broad array of financial solutions. We are confident that as more FERS pre-retirees become aware of the advantages of financial planning, appreciate the value in collaborating with us as we prioritize client interests, and recognize our commitment through a legal fiduciary oath, more pre-retirees and retirees will feel at ease seeking financial guidance.
If that time is now or soon, we hope you'll consider selecting us as your trusted partner in this journey. We advise Federal Employees all over the United States and utilize virtual meetings to make it very easy to get the information and help you need.
Fiduciary Advisor
Legal obligation to act in your best interest
35+ Years Experience
Combined financial planning expertise
Nationwide Service
Serving federal employees in 45 states
FINRA / SIPC Member
Regulated, registered investment advisor
Top 5 Mistakes FERS Employees Make
Watch this important video to learn the most common retirement planning mistakes federal employees make — and how to avoid them.
Stuart J. Spivak
LUTCF | RFC® Senior Partner
35+ Years Experience
Meet Stuart J. Spivak
LUTCF | RFC® Senior Partner
"You no longer have to be on an island by yourself. Stuart & his TEAM have helped countless pre-retirement Federal Employees to get financially organized and to navigate their future retirement plans."
Stuart J. Spivak is a fiduciary financial advisor and retirement planner with 35+ years of wisdom, knowledge and experience. Spivak Financial provides comprehensive, tax-efficient retirement planning and investment management services to help Federal Employees achieve their personal financial goals.
Ready to Discuss Retirement?
Here's why thousands of federal employees across the nation trust The Spivak Financial Group with their retirement planning.
Truly independent financial advisors — no conflicts of interest
Our team has 50+ years of combined financial planning experience
Fiduciary oath — your interests always come first
Virtual meetings available — no need to travel
Comprehensive, tax-efficient retirement planning
Specialists in FERS, TSP, FEHB, and FEGLI benefits
Serving federal employees in all 50 states
Free initial consultation — no obligation
Common FERS Questions
What is FERS?
The Federal Employees Retirement System (FERS) is the retirement plan for federal civilian employees hired after 1983. It consists of three components: the Basic Benefit Plan, Social Security, and the Thrift Savings Plan (TSP).
When can I retire under FERS?
Your retirement eligibility depends on your Minimum Retirement Age (MRA) and years of service. Most federal employees can retire at their MRA with 30 years of service, or at age 60 with 20 years, or age 62 with 5 years.
How is my FERS annuity calculated?
Your FERS basic annuity is calculated as: 1% × High-3 Average Salary × Years of Service. If you retire at age 62 or older with 20+ years of service, the multiplier increases to 1.1%.
Serving Federal Employees Nationwide
We work with FERS clients in all of these states via phone and Zoom — no in-person visit required.
Ready to Secure Your Federal Retirement?
Schedule your free, no-obligation consultation with Stuart J. Spivak and his team today. We'll help you understand your FERS benefits and build a comprehensive retirement strategy.