Federal & Postal Employee Retirement Services
Retire from federal service with confidence.
For over a decade, we have helped hundreds of U.S. federal and postal employees achieve a smooth retirement through workshops and personalized guidance.
Advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Member FINRA/SIPC.
01 · The outcome
Your retirement application prepared, for you, correctly.
Federal and USPS retirement applications prepared for OPM’s Online Retirement Application, or ORA. We help organize your benefit elections, required information, and supporting documents for a complete and accurate digital submission.
We explain complex federal retirement options in clear, simple steps. This helps you review your choices, complete the ORA process, and move forward with greater confidence.
02 · Services
Federal benefits, translated into clear steps.
Feeling overwhelmed by federal benefits and the retirement process? Our advisors specialize in helping federal and postal employees navigate their unique retirement options.
- Review your FERS and benefit options in plain language.
- Turn complicated choices into clear, actionable steps.
- Help prepare and organize your retirement paperwork.
03 · Common questions
FERS and TSP questions, answered plainly.
What is FERS?
FERS (Federal Employees Retirement System) is the retirement plan covering most federal civilian employees hired after 1983. It combines three parts: a FERS basic annuity (pension), Social Security, and the Thrift Savings Plan (TSP). Your pension is calculated using your years of creditable service and your "high-3" average salary. FERS differs from the older CSRS system, which does not include Social Security coordination.
This is educational information, not personal advice. Review your official benefit statement or consult OPM.gov for your specific figures.
How does the TSP work?
The Thrift Savings Plan is a defined-contribution retirement account, similar to a 401(k), available to federal and postal employees. FERS employees receive automatic and matching agency contributions on top of their own contributions, up to certain limits set annually by the IRS. TSP offers a small set of low-cost index funds (G, F, C, S, I) plus lifecycle funds.
This is educational information, not personal advice. Contribution limits change each year — check TSP.gov for current figures. Your contribution strategy should reflect your own timeline and risk tolerance.
What is the difference between FERS and CSRS?
CSRS (Civil Service Retirement System) is the older federal retirement system, largely closed to employees hired after 1983 and replaced by FERS. CSRS provides a larger pension but does not include Social Security or automatic TSP contributions. FERS provides a smaller pension supplemented by Social Security and agency-matched TSP contributions. Each system has different rules for early retirement, survivor benefits, and cost-of-living adjustments.
This is educational information, not personal advice. Confirm your coverage with OPM before making retirement decisions.
Can I retire early as a federal employee?
FERS offers several early retirement paths, including MRA+10 (minimum retirement age with at least 10 years of service, with a reduced annuity) and, in some cases, VERA (Voluntary Early Retirement Authority) during agency reorganizations. Retiring before your minimum retirement age or with fewer years of service typically means a reduced pension and gaps in health and life insurance continuation rules. There are real trade-offs between retiring early and maximizing your annuity.
This is educational information, not personal advice. Review your options with OPM and a qualified advisor before deciding.
04 · Your retirement application
Need help preparing your retirement application?
Don't worry, we've got you. We help you organize, complete, and file the documents your retirement requires. Contact us today to get started.
Contact us today