Beta v0.1.2
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.

AllFERS5Social Security2Retirement Income2FERS Supplement2Pension2Early Retirement2CSRS1Federal Retirement1TSP1Withdrawal Strategy1MRA1
FERSMRA

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.

April 2026·5 min read

Ready to see your own numbers?

Run a free personalised FERS/CSRS retirement analysis in 10 minutes.

Start My Analysis →