FERS Retirement Planner Seattle
Federal Employee Retirement Planning for Seattle, Washington — available via phone and Zoom.
Federal Employee Retirement Planner — Seattle, Washington
Federal employees in Seattle, Washington 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 Seattle area 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 Seattle clients via phone and Zoom.
Federal employees in the Seattle area who work with The Spivak Financial Group receive a comprehensive FERS retirement plan that coordinates all three legs of the FERS stool: your Basic Benefit Plan pension, your Thrift Savings Plan, and Social Security. We also help Seattle area federal employees navigate FEHB, FEGLI, and survivor benefit decisions that can have a lasting impact on your family's financial security.
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 Seattle and throughout Washington. Our certifications and licenses allow us to offer a broad array of financial solutions tailored specifically to FERS employees. We advise Federal Employees in Seattle and utilize virtual meetings to make it very easy to get the information and help you need.
FERS Planning Services for Seattle Federal Employees
FERS Retirement Questions from Seattle Federal Employees
What does a FERS retirement planner in Seattle actually do?
A FERS retirement planner in Seattle 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 Seattle 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 Seattle?
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 Seattle can run a precise calculation based on your specific situation.
Can I keep my FEHB health insurance after retiring from my Seattle 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 Seattle can help you evaluate your FEHB options and costs in retirement.
How do I find a qualified FERS advisor near Seattle, Washington?
The Spivak Financial Group is a nationally recognized FERS advisor serving federal employees in Seattle and throughout Washington 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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Serving Seattle federal employees via phone and Zoom. No in-person visit required.
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Key FERS Facts
- Pension = 1% × High-3 × Years
- 1.1% multiplier at age 62 with 20+ years
- TSP agency match up to 5%
- FERS Supplement bridges to age 62
- FEHB continues into retirement