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Federal Retirement Guides
Plain answers to complex retirement questions
Accurate, jargon-free guides on FERS pension, TSP strategy, the MRA+10 reduction, the FERS Supplement, and everything federal employees need to retire with confidence.
The FERS Supplement: Your Bridge Income Before Social Security
If you retire before 62 under immediate full retirement, OPM pays you a monthly supplement approximating your Social Security benefit. Here's how it's calculated, who qualifies, and when it stops.
The MRA+10 Trap: How Early Retirement Permanently Reduces Your FERS Pension
Retiring at your Minimum Retirement Age with 10–29 years of service triggers a 5% permanent reduction for every year you're under 62. Here's what that means in dollars, and how to decide if it's worth it.
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