FERS Retirement Planner in Wisconsin

Federal Employee Retirement Planning for Wisconsin residents — available via phone and Zoom.

Your FERS Advisor in Wisconsin

Planning your FERS retirement in Wisconsin requires specialized knowledge that goes well beyond general financial planning. The Spivak Financial Group brings over 35 years of dedicated FERS expertise to federal employees across Wisconsin, available via phone and Zoom so you can get the guidance you need without leaving home.

For Wisconsin federal employees, the years immediately before retirement are the most critical for financial planning. The Spivak Financial Group helps you make the most of this window by optimizing your TSP contributions, planning your retirement date for maximum pension impact, and developing a tax-efficient withdrawal strategy that will serve you well throughout retirement in Wisconsin.

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 throughout Wisconsin. 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 all over Wisconsin and utilize virtual meetings to make it very easy to get the information and help you need.

FERS Planning Services for Wisconsin 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 Wisconsin Federal Employees

How does FERS retirement work for Wisconsin federal employees?

FERS is a three-part retirement system for federal employees in Wisconsin 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 Wisconsin 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 Wisconsin can retire at their MRA with 30+ years of service and receive an immediate, unreduced annuity.

Should Wisconsin federal employees elect the FERS survivor benefit for their spouse?

The survivor benefit election is one of the most important and irreversible decisions you'll make at FERS retirement. Electing the full survivor benefit costs 10% of your pension but provides your spouse with 50% of your annuity if you die first. For Wisconsin federal employees, the right decision depends on your spouse's health, income, and other assets. A FERS advisor serving Wisconsin can help you weigh the options and make the right choice for your family.

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

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