A Senior Executive Service (SES) officer with 29 years of federal service was handed a Voluntary Early Retirement Authority (VERA) package — with just 30 days to decide. The assets were all there: a substantial FERS pension and a TSP maxed out for two decades. What she had never seen was how an early retirement offer changes all of it at once.

The advisor in this video breaks down the decisions hiding inside a federal early retirement offer:

• The FERS pension reduction — and how to find your break-even age
• TSP access before 59½ and the age-55 separation exception
• FEHB continuation — the benefit that can disappear under the wrong conditions
• Social Security timing and the Roth conversion window before benefits begin

Federal early retirement offers are back across agencies right now, and most people receiving them have never been through this before. If you’re holding a VERA offer, have heard one may be coming, or simply want to know whether your retirement picture can support a departure in the next year or two, this is a conversation worth having with a fee-only fiduciary who works specifically with federal employees.

The client described here is a composite archetype based on real-life scenarios, not an actual individual client. Names and identifying details have been changed. This content is for educational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified professional regarding your specific situation.

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