FERS Retirement Planner Wilkes-Barre

Federal Employee Retirement Planning for Wilkes-Barre, Pennsylvania — available via phone and Zoom.

FERS Retirement Planner in Wilkes-Barre, Pennsylvania

Federal employees in the Wilkes-Barre, Pennsylvania area trust The Spivak Financial Group as their go-to FERS advisor for a reason: we are fiduciary advisors who specialize exclusively in federal employee retirement planning. Our team helps Wilkes-Barre area federal employees understand and maximize their FERS pension, TSP, Social Security, and FEHB benefits — all via phone or Zoom.

Federal employees in the Wilkes-Barre 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 Wilkes-Barre area federal employees navigate FEHB, FEGLI, and survivor benefit decisions that can have a lasting impact on your family's financial security.

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 in Wilkes-Barre and throughout Pennsylvania. 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 in Wilkes-Barre and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for Wilkes-Barre 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 Wilkes-Barre Federal Employees

What are the biggest FERS retirement mistakes made by Wilkes-Barre federal employees?

The most common FERS retirement mistakes we see among Wilkes-Barre area federal employees include: retiring too early and missing out on the 1.1% pension multiplier; not contributing enough to the TSP to capture the full agency match; choosing the wrong survivor benefit election; claiming Social Security too early; and failing to plan for the tax impact of TSP withdrawals. A FERS advisor in Wilkes-Barre can help you avoid these costly errors.

How does Social Security work with my FERS pension in Wilkes-Barre?

Unlike employees under the older CSRS system, FERS employees are fully covered by Social Security. Your FERS pension and Social Security work together as two of the three legs of the FERS retirement "stool" (along with your TSP). The optimal Social Security claiming age for Wilkes-Barre area federal employees depends on your health, other income sources, and longevity expectations — a FERS retirement planner can help you determine the best strategy.

Can a FERS retirement planner help me with my TSP withdrawal strategy in Wilkes-Barre?

Absolutely. TSP withdrawal planning is one of the most important — and most complex — aspects of FERS retirement planning for Wilkes-Barre area federal employees. The Spivak Financial Group helps Wilkes-Barre clients develop tax-efficient TSP withdrawal strategies that minimize their lifetime tax burden, manage Required Minimum Distributions, and coordinate TSP withdrawals with their FERS pension and Social Security income.

Is The Spivak Financial Group a fiduciary FERS advisor for Wilkes-Barre federal employees?

Yes. The Spivak Financial Group is a fiduciary financial advisor, which means we are legally obligated to act in your best interest at all times. We do not earn commissions on product sales — our advice is always objective and focused on maximizing your FERS retirement benefits. We serve Wilkes-Barre area federal employees throughout Pennsylvania via phone and Zoom.

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