FERS Retirement Planner Phoenix

Federal Employee Retirement Planning for Phoenix, Arizona — available via phone and Zoom.

Expert FERS Advisor for Phoenix Federal Employees

Whether you're 10 years or 10 months from retirement, federal employees in Phoenix, Arizona can benefit from working with a dedicated FERS retirement planner. The Spivak Financial Group provides comprehensive FERS retirement planning to the Phoenix area, helping you make confident, informed decisions about your pension, TSP, Social Security, and FEHB coverage — all via phone and Zoom.

The Spivak Financial Group's FERS retirement planning process for Phoenix area clients begins with a free consultation where we review your complete federal benefits picture. We then develop a personalized retirement income strategy that maximizes your FERS pension, optimizes your TSP withdrawals, and coordinates your Social Security benefits for maximum lifetime income in Arizona.

Federal employees in Phoenix who work with The Spivak Financial Group benefit from our deep expertise in FERS retirement planning and our commitment to fiduciary, client-first advice. We have helped federal employees throughout Arizona navigate the complexities of FERS retirement — and we're ready to help you too. Contact us today for a free, no-obligation consultation via phone or Zoom.

FERS Planning Services for Phoenix Federal Employees

High-3 Salary Maximization

TSP Fund Selection & Rebalancing

Roth TSP vs. Traditional TSP Analysis

FEHB Plan Comparison in Retirement

FERS Minimum Retirement Age Planning

FERS Supplement Eligibility Analysis

Spousal & Survivor Benefit Planning

Required Minimum Distribution Planning

Book a Free Consultation Call: 888-966-3055

FERS Retirement Questions from Phoenix Federal Employees

How does FERS retirement work for Phoenix federal employees?

FERS is a three-part retirement system for federal employees in Phoenix 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 Phoenix 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 Phoenix can retire at their MRA with 30+ years of service and receive an immediate, unreduced annuity. A FERS retirement planner in Phoenix can help you determine your MRA and plan your retirement date accordingly.

How much will my FERS pension be if I retire from Phoenix?

Your FERS pension is calculated as: 1% × High-3 Average Salary × Years of Creditable Service (or 1.1% if you retire at 62+ with 20+ years). For example, a Phoenix area federal employee with a $90,000 High-3 salary and 30 years of service would receive a pension of approximately $27,000 per year ($2,250/month) before taxes. A FERS retirement planner in Phoenix can calculate your exact pension estimate and help you maximize it.

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

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