FERS Retirement Planner New Haven

Federal Employee Retirement Planning for New Haven, Connecticut — available via phone and Zoom.

Your FERS Advisor in New Haven, Connecticut

For federal employees in New Haven, Connecticut, 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 New Haven 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 New Haven 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 Connecticut.

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 in New Haven and throughout Connecticut. Our certifications and licenses allow us to offer a broad array of financial solutions tailored specifically to FERS employees. We advise Federal Employees in New Haven and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for New Haven Federal Employees

FERS Pension Calculation & Analysis

TSP Optimization & Withdrawal Planning

Social Security Claiming Strategy

FEHB Coverage in Retirement

FEGLI Life Insurance Review

FERS Supplement Planning

Survivor Benefit Election

Tax-Efficient Retirement Income

Book a Free Consultation Call: 888-966-3055

FERS Retirement Questions from New Haven Federal Employees

What should I do 5 years before retiring from my New Haven federal job?

Five years before retirement is a critical planning window for New Haven area FERS employees. Key steps include: verifying your service history and correcting any errors; maximizing your TSP contributions (including catch-up contributions if you're 50+); reviewing your FEHB plan options; getting a Social Security earnings statement; and meeting with a FERS retirement planner in New Haven to develop a comprehensive retirement income strategy. The earlier you start planning, the more options you'll have.

Does The Spivak Financial Group charge for FERS retirement consultations in New Haven?

Your initial FERS retirement consultation with The Spivak Financial Group is completely free and carries no obligation. We serve New Haven area federal employees throughout Connecticut via phone and Zoom. During your free consultation, we'll review your FERS benefits, answer your questions, and outline a personalized retirement planning strategy. Call 888-966-3055 or book online to schedule your free consultation today.

How do I maximize my TSP before retiring from New Haven?

To maximize your TSP before retiring from your New Haven federal position: contribute at least 5% to capture the full agency match; consider increasing contributions to the annual IRS limit ($23,500 in 2025, plus $7,500 catch-up if you're 50+); review your investment allocation and rebalance as needed; and consider whether traditional or Roth TSP contributions are more advantageous for your tax situation. A FERS retirement planner in New Haven can provide personalized TSP optimization guidance.

Can I work part-time after retiring from my New Haven federal position under FERS?

Yes, but there are important rules to be aware of. If you receive the FERS Supplement (paid to retirees under age 62), your supplement will be reduced if your earned income exceeds the annual exempt amount. Additionally, if you return to federal employment, your annuity may be affected. A FERS advisor in New Haven can help you understand the rules and plan your post-retirement work activities to minimize any impact on your benefits.

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