FERS Retirement Planner in Arizona
Federal Employee Retirement Planning for Arizona residents — available via phone and Zoom.
Federal Employee Retirement Planning in Arizona
Federal employees in Arizona who are covered under the Federal Employees Retirement System (FERS) deserve expert retirement planning guidance from an advisor who truly understands their unique benefits. The Spivak Financial Group works with FERS clients throughout Arizona via phone and Zoom — no office visit required — providing comprehensive, fiduciary retirement planning that puts your interests first.
The Spivak Financial Group brings a systematic, data-driven approach to FERS retirement planning for Arizona federal employees. We analyze your specific situation — your years of service, your High-3 salary, your TSP balance, and your projected Social Security benefit — and develop a personalized strategy that maximizes your retirement income and minimizes your tax liability throughout retirement in Arizona.
Here at The Spivak Financial Group, we are truly independent Financial Advisors, and our team has 50+ years of combined financial planning experience serving federal employees throughout Arizona. Our certifications and licenses allow us to offer a broad array of financial solutions tailored specifically to FERS employees. We advise Federal Employees all over Arizona and utilize virtual meetings to make it very easy to get the information and help you need.
FERS Planning Services for Arizona Federal Employees
FERS Retirement Questions from Arizona Federal Employees
What federal agencies employ FERS employees in Arizona?
Federal employees in Arizona work for a wide range of agencies, including the Department of Defense, Veterans Affairs, Social Security Administration, IRS, USPS, Department of Homeland Security, and many others. Regardless of which agency you work for in Arizona, if you were hired after January 1, 1984, you are most likely covered under FERS. The Spivak Financial Group serves FERS employees from all federal agencies throughout Arizona.
How is FERS different from CSRS for Arizona federal employees?
FERS (Federal Employees Retirement System) replaced CSRS (Civil Service Retirement System) for most federal employees hired after January 1, 1984. The key differences: FERS employees are covered by Social Security (CSRS employees generally are not); FERS has a smaller pension formula (1% vs. 2% per year); FERS includes the TSP with agency matching (CSRS employees can contribute to the TSP but receive no agency match). If you're a Arizona federal employee unsure which system you're under, a FERS advisor can help.
Can Arizona federal employees retire early under FERS?
Yes — FERS offers several early retirement options for Arizona federal employees. The most common is retiring at your Minimum Retirement Age (MRA, 55–57) with 30+ years of service. There are also special provisions for law enforcement officers, firefighters, and air traffic controllers. Additionally, Voluntary Early Retirement Authority (VERA) and Voluntary Separation Incentive Pay (VSIP) opportunities sometimes arise. A FERS retirement planner serving Arizona can help you evaluate your early retirement options.
How do I get started with a FERS retirement planner serving Arizona?
Getting started is easy. Call The Spivak Financial Group at 888-966-3055 or book a free consultation online. We serve Arizona federal employees via phone and Zoom — no in-person visit required. During your free consultation, we'll review your FERS benefits, answer your questions, and outline a personalized retirement planning strategy at no cost or obligation.
Get Your Free FERS Consultation
Serving Arizona federal employees via phone and Zoom. No in-person visit required.
Book Online — FreeOR CALL: 888-966-3055Key FERS Facts
- Pension = 1% × High-3 × Years
- 1.1% multiplier at age 62 with 20+ years
- TSP agency match up to 5%
- FERS Supplement bridges to age 62
- FEHB continues into retirement