FERS Retirement Planner in Maryland

Federal Employee Retirement Planning for Maryland residents — available via phone and Zoom.

FERS Advisor for Federal Employees in Maryland

Federal employees in Maryland often underestimate the value of their FERS benefits — and miss out on thousands of dollars in retirement income as a result. The Spivak Financial Group helps Maryland federal employees fully understand and optimize every component of their FERS retirement package, including the often-overlooked FERS Supplement and survivor benefit elections. We serve Maryland clients via phone and Zoom.

The Spivak Financial Group brings a systematic, data-driven approach to FERS retirement planning for Maryland 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 Maryland.

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 Maryland. 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 Maryland and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for Maryland Federal Employees

Complete FERS Benefits Review

TSP Catch-Up Contribution Strategy

Social Security & Pension Coordination

FEHB Enrollment Decision Support

FERS Disability Retirement Guidance

Phased Retirement Planning

Federal Retiree Tax Planning

Retirement Income Stress Testing

Book a Free Consultation Call: 888-966-3055

FERS Retirement Questions from Maryland Federal Employees

What federal agencies employ FERS employees in Maryland?

Federal employees in Maryland 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 Maryland, 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 Maryland.

How is FERS different from CSRS for Maryland 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 Maryland federal employee unsure which system you're under, a FERS advisor can help.

Can Maryland federal employees retire early under FERS?

Yes — FERS offers several early retirement options for Maryland 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 Maryland can help you evaluate your early retirement options.

How do I get started with a FERS retirement planner serving Maryland?

Getting started is easy. Call The Spivak Financial Group at 888-966-3055 or book a free consultation online. We serve Maryland 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.

View All FERS FAQs →