FERS Retirement Planner Tempe

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

FERS Advisor for Federal Employees in Tempe

The Spivak Financial Group has helped hundreds of federal employees across the country — including those in Tempe, Arizona — navigate the complexities of FERS retirement. As a fiduciary FERS retirement planner, we provide Tempe area federal employees with a clear roadmap for maximizing their pension, TSP, and Social Security benefits. All consultations are conducted via phone or Zoom.

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

The Spivak Financial Group's commitment to Tempe area federal employees is simple: we provide honest, expert, fiduciary FERS retirement planning that puts your interests first. We don't sell products or earn commissions — we provide objective guidance designed to help you maximize your FERS benefits and retire with confidence. We serve Tempe and all of Arizona via phone and Zoom.

FERS Planning Services for Tempe 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 Tempe Federal Employees

What federal agencies employ FERS employees in Tempe, Arizona?

Federal employees in Tempe 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 Tempe, 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 in Tempe and throughout Arizona.

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

What is a FERS Federal Employee Retirement Planner in Tempe?

A Federal Employee Retirement Planner in Tempe is a financial advisor who specializes in helping federal employees covered under FERS plan for retirement. Unlike general financial planners, a FERS specialist understands the specific rules, benefits, and strategies that apply to FERS employees — including pension calculations, TSP optimization, FEHB in retirement, the FERS Supplement, and survivor benefit elections. The Spivak Financial Group is a nationally recognized Federal Employee Retirement Planner serving Tempe via phone and Zoom.

How do I contact a FERS advisor for Tempe federal employees?

Contact The Spivak Financial Group — a nationally recognized FERS advisor serving Tempe and all of Arizona — by calling 888-966-3055 or booking a free consultation online. We serve Tempe area federal employees via phone and Zoom, making expert FERS retirement planning accessible no matter where you are in Arizona. Your initial consultation is completely free and carries no obligation.

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