FERS Retirement Planner in Ohio

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

Federal Employee Retirement Planner — Ohio

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

Working with a dedicated FERS retirement planner means having an expert in your corner who understands the unique complexities of federal employee benefits. We help Ohio 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.

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 throughout Ohio. 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 all over Ohio and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for Ohio 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 Ohio Federal Employees

How does FERS retirement work for Ohio federal employees?

FERS is a three-part retirement system for federal employees in Ohio 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 Ohio 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 Ohio can retire at their MRA with 30+ years of service and receive an immediate, unreduced annuity.

Should Ohio 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 Ohio federal employees, the right decision depends on your spouse's health, income, and other assets. A FERS advisor serving Ohio can help you weigh the options and make the right choice for your family.

Why should Ohio 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 Ohio federal employees via phone and Zoom, providing expert, personalized guidance at no cost for your initial consultation.

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