FERS Retirement Planner Clovis
Federal Employee Retirement Planning for Clovis, New Mexico — available via phone and Zoom.
FERS Retirement Planner Serving Clovis, New Mexico
Are you a federal employee in Clovis, New Mexico approaching retirement under FERS? The Spivak Financial Group specializes in helping federal employees throughout the Clovis area navigate every aspect of their FERS benefits — from pension calculation and TSP optimization to Social Security timing and FEHB coverage in retirement. We serve Clovis clients entirely via phone and Zoom for maximum convenience.
Working with a dedicated FERS retirement planner in the Clovis area means having an expert in your corner who understands the unique complexities of federal employee benefits. We help Clovis area federal employees avoid the most common FERS retirement mistakes — including poor TSP fund selection, suboptimal Social Security timing, and inadequate survivor benefit elections — and build a comprehensive plan for a financially secure retirement in New Mexico.
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 in Clovis and throughout New Mexico. Here at The Spivak Financial Group, we are truly independent Financial Advisors. Our team has 50+ years of combined financial planning experience. We advise Federal Employees in Clovis and utilize virtual meetings to make it very easy to get the information and help you need.
FERS Planning Services for Clovis Federal Employees
FERS Retirement Questions from Clovis Federal Employees
What does a FERS retirement planner in Clovis actually do?
A FERS retirement planner in Clovis helps federal employees understand and maximize their FERS benefits — including the Basic Benefit Plan pension, the Thrift Savings Plan (TSP), Social Security, and FEHB coverage. The Spivak Financial Group serves Clovis area federal employees via phone and Zoom, providing personalized retirement planning without requiring an in-person visit.
How is my FERS pension calculated if I work in Clovis?
Your FERS pension is calculated using the formula: 1% × High-3 Average Salary × Years of Creditable Service. If you retire at age 62 or older with 20+ years of service, the multiplier increases to 1.1%. Your High-3 is the highest average basic pay over any three consecutive years — typically your final three years. A FERS advisor in Clovis can run a precise calculation based on your specific situation.
Can I keep my FEHB health insurance after retiring from my Clovis federal job?
Yes — most FERS retirees can keep their FEHB coverage in retirement, as long as they were enrolled in FEHB for the five years immediately before retirement (or since their first opportunity to enroll). This is one of the most valuable benefits of federal retirement, and a FERS retirement planner in Clovis can help you evaluate your FEHB options and costs in retirement.
How do I find a qualified FERS advisor near Clovis, New Mexico?
The Spivak Financial Group is a nationally recognized FERS advisor serving federal employees in Clovis and throughout New Mexico via phone and Zoom. We are fiduciary advisors — legally obligated to act in your best interest — with over 35 years of specialized FERS experience. Call 888-966-3055 or book a free consultation online to get started.
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Serving Clovis federal employees via phone and Zoom. No in-person visit required.
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Key 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