FERS Retirement Planner in Colorado
Federal Employee Retirement Planning for Colorado residents — available via phone and Zoom.
Your FERS Advisor in Colorado
For federal employees in Colorado, choosing the right FERS advisor can make a significant difference in your retirement income. The Spivak Financial Group is a fee-based, fiduciary FERS retirement planner serving Colorado via phone and Zoom. We help you avoid the most common FERS retirement mistakes and build a comprehensive plan for a financially secure retirement.
Federal employees across Colorado who work with The Spivak Financial Group receive a comprehensive FERS retirement plan that coordinates all three legs of the FERS stool: your Basic Benefit Plan pension, your Thrift Savings Plan, and Social Security. We also help Colorado federal employees navigate FEHB, FEGLI, and survivor benefit decisions that can have a lasting impact on your family's financial security.
The Spivak Financial Group's commitment to Colorado federal employees is simple: we provide honest, expert, fiduciary FERS retirement planning that puts your interests first. We don't sell products or earn commissions — we provide objective guidance designed to help you maximize your FERS benefits and retire with confidence. We serve all of Colorado via phone and Zoom.
FERS Planning Services for Colorado Federal Employees
FERS Retirement Questions from Colorado Federal Employees
How does FERS retirement work for Colorado federal employees?
FERS is a three-part retirement system for federal employees in Colorado and across the country. It consists of: (1) the Basic Benefit Plan — a defined benefit pension based on your years of service and High-3 salary; (2) the Thrift Savings Plan (TSP) — a 401(k)-style savings plan with agency matching contributions; and (3) Social Security. Coordinating all three components effectively is the key to maximizing your FERS retirement income.
What is the FERS Minimum Retirement Age for Colorado federal employees?
The FERS Minimum Retirement Age (MRA) depends on your birth year: born before 1948 = MRA 55; born 1948–1952 = MRA 55–56 (graduated); born 1953–1964 = MRA 56; born 1965–1969 = MRA 56–57 (graduated); born 1970 or later = MRA 57. Federal employees in Colorado can retire at their MRA with 30+ years of service and receive an immediate, unreduced annuity.
Should Colorado federal employees elect the FERS survivor benefit for their spouse?
The survivor benefit election is one of the most important and irreversible decisions you'll make at FERS retirement. Electing the full survivor benefit costs 10% of your pension but provides your spouse with 50% of your annuity if you die first. For Colorado federal employees, the right decision depends on your spouse's health, income, and other assets. A FERS advisor serving Colorado can help you weigh the options and make the right choice for your family.
Why should Colorado federal employees work with The Spivak Financial Group?
The Spivak Financial Group is a nationally recognized FERS advisor with over 35 years of experience helping federal employees maximize their retirement benefits. We are fiduciary advisors — legally obligated to act in your best interest — and we specialize exclusively in FERS retirement planning. We serve Colorado federal employees via phone and Zoom, providing expert, personalized guidance at no cost for your initial consultation.
FERS Retirement Planning in Colorado Cities
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Serving Colorado 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