FERS Retirement Planner Dayton

Federal Employee Retirement Planning for Dayton, Ohio — available via phone and Zoom.

FERS Retirement Planner Serving Dayton, Ohio

For federal employees in Dayton, Ohio, 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 the Dayton area via phone and Zoom. We help you avoid the most common FERS retirement mistakes and build a comprehensive plan for a financially secure retirement.

For Dayton area federal employees, the years immediately before retirement are the most critical for financial planning. The Spivak Financial Group helps you make the most of this window by optimizing your TSP contributions, planning your retirement date for maximum pension impact, and developing a tax-efficient withdrawal strategy that will serve you well throughout retirement in Ohio.

The Spivak Financial Group has built a reputation as a trusted FERS advisor for federal employees throughout Ohio, including the Dayton area. Our approach is straightforward: we listen to your goals, analyze your benefits, and develop a personalized plan that maximizes your retirement income. We serve Dayton area clients via phone and Zoom, making expert FERS planning accessible no matter where you are in Ohio.

FERS Planning Services for Dayton Federal Employees

FERS Retirement Date Optimization

TSP Withdrawal Sequencing Strategy

Social Security Delay Analysis

FEHB & Medicare Coordination

FEGLI vs. Private Life Insurance

Early Retirement (VERA/VSIP) Planning

Divorce & FERS Benefits (QDRO)

Estate Planning for Federal Retirees

Book a Free Consultation Call: 888-966-3055

FERS Retirement Questions from Dayton Federal Employees

What does a FERS retirement planner in Dayton actually do?

A FERS retirement planner in Dayton 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 Dayton 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 Dayton?

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 Dayton can run a precise calculation based on your specific situation.

Can I keep my FEHB health insurance after retiring from my Dayton 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 Dayton can help you evaluate your FEHB options and costs in retirement.

How do I find a qualified FERS advisor near Dayton, Ohio?

The Spivak Financial Group is a nationally recognized FERS advisor serving federal employees in Dayton and throughout Ohio 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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