FERS Pension Maximization & TSP Allocation Review | American Pension & Retirement Services

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★ 2026 Federal Benefits Guidance

Maximize Your FERS Pension & Safeguard Your TSP Nest Egg

Independent, personalized retirement guidance tailored specifically for U.S. Federal Employees under the Federal Employees Retirement System (FERS). Understand your true net pension, protect against TSP market drops, and optimize FEGLI expenses.

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Accurate FERS Net Pension

Calculate take-home pay after FEHB, taxes, and Survivor Benefit Plan (SBP) costs.

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Age 59½ In-Service Rollover

Lock in TSP gains with guaranteed zero-downside private options while still working.

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SRS Gap Bridge Strategy

Determine if you qualify for the Special Retirement Supplement before age 62.

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FEGLI Option B Cost Curve

Evaluate alternatives before life insurance premiums spike exponentially after age 50.

Complete Federal Review Form ↓ Run Pension Simulator

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Complimentary Federal Pension & TSP Allocation Report

ℹ️ Tip for Federal Workers: Please provide a personal email (Gmail/Yahoo/Outlook). Government firewalls frequently block incoming benefits reports sent to .gov addresses.

Interactive FERS & TSP Projection Calculator

Estimate your annual gross FERS annuity and test the vulnerability of your Thrift Savings Plan (TSP) balance against market volatility.

High-3 Average Salary: $105,000

Years of Creditable Service: 25 Years

Age 62+ with 20+ Years Service?

Qualifies for the 1.1% enhanced multiplier instead of 1.0%

Current TSP Balance: $350,000

Estimated Gross FERS Annuity

$26,250 / yr

Approx. $2,188 per month before deductions.

TSP Downside Vulnerability (-20% Market Correction)

-$70,000

Balance after downturn: $280,000

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American Pension & Retirement Services

Dedicated Civil Service & Public Sector Retirement Guidance

"Federal employees dedicate their careers to serving the public, yet government agencies rarely provide one-on-one personalized guidance to maximize their retirement take-home pay. At American Pension & Retirement Services, we provide independent, unbiased benefit breakdowns so you can step into retirement with total clarity and confidence."