FERS Retirement Planner Winston-Salem
Federal Employee Retirement Planning for Winston-Salem, North Carolina — available via phone and Zoom.
FERS Retirement Planner Serving Winston-Salem, North Carolina
Are you a federal employee in Winston-Salem, North Carolina approaching retirement under FERS? The Spivak Financial Group specializes in helping federal employees throughout the Winston-Salem area navigate every aspect of their FERS benefits — from pension calculation and TSP optimization to Social Security timing and FEHB coverage in retirement. We serve Winston-Salem clients entirely via phone and Zoom for maximum convenience.
Federal employees in the Winston-Salem 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 Winston-Salem 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 Winston-Salem and throughout North Carolina. 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 Winston-Salem and utilize virtual meetings to make it very easy to get the information and help you need.
FERS Planning Services for Winston-Salem Federal Employees
FERS Retirement Questions from Winston-Salem Federal Employees
What does a FERS retirement planner in Winston-Salem actually do?
A FERS retirement planner in Winston-Salem 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 Winston-Salem 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 Winston-Salem?
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 Winston-Salem can run a precise calculation based on your specific situation.
Can I keep my FEHB health insurance after retiring from my Winston-Salem 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 Winston-Salem can help you evaluate your FEHB options and costs in retirement.
How do I find a qualified FERS advisor near Winston-Salem, North Carolina?
The Spivak Financial Group is a nationally recognized FERS advisor serving federal employees in Winston-Salem and throughout North Carolina 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 Winston-Salem 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