You Know Your Government Benefits. But Do You Know Your Retirement Options?
Your pension, TSP, Social Security, and savings are pieces of one bigger picture. Learn how they can work together to create dependable income, manage taxes, and prepare for the retirement you've worked hard to earn.
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Your Free Benefits Review
One-on-one with a Federal Retirement Consultant
- Your pension estimate and earliest retirement date
- TSP options: stay, roll over, or create income
- Coordinating your pension with Social Security
- Tax strategies, including Roth conversions
- Health and life coverage into retirement
No cost. No obligation. Virtual or in person.
- No-Cost Review
- Fiduciary-Focused
- Federal Retirement Consultant
- Virtual & In-Person
Know What You Have. Understand Your Options.
Meet with a Federal Retirement Consultant to review your benefits and explore your retirement income opportunities.
Government Retirement Benefits Don't Have to Be Complicated.
Whether you're a few years from retirement or already retired, understanding your benefits is the first step toward confident decisions. We help you answer questions like:
When can I retire, and what will my pension pay?
Should I keep my money in the TSP or consider other options?
How do I coordinate my pension with Social Security?
Will my health coverage carry into retirement?
Could Roth conversions help lower my future taxes?
How do I create income I can count on for the rest of my life?
Understanding Your Government Retirement Benefits
A simple guide to the terms you've heard throughout your career.
The retirement system for most federal employees hired after 1983. It combines a basic pension, Social Security, and the TSP.
Your workplace retirement savings account, similar to a 401(k). Your investment and withdrawal choices matter in retirement.
The earliest age you may qualify for certain FERS benefits, based on your birth year and years of service.
Your federal health coverage. It may continue into retirement if you meet the eligibility rules before you leave.
Your federal life insurance. Coverage amounts and costs can change after you retire.
The older federal retirement system for employees hired before 1984, with different pension and Social Security rules.
A temporary payment for some who retire before 62, designed to bridge the gap until Social Security age.
Workplace savings plans common for teachers, state, and local government employees.
Minimum amounts you must withdraw each year from certain tax-deferred accounts once you reach a set age.
Periodic increases to some pension and Social Security payments to help keep pace with inflation.
When Can You Retire Under FERS?
For most federal employees, retirement eligibility depends on your age and years of creditable service.
These are common paths to an immediate, unreduced FERS pension. Other options, including MRA+10, deferred, disability, and special-category retirement (such as law enforcement and firefighters), follow different rules.
Find Your Minimum Retirement Age
Select your birth year to see your FERS MRA.
Ohio Teacher, State, or Local Government Employee?
Ohio public employees typically participate in a state retirement system instead of FERS, and many don't pay into Social Security through that job. Each system has its own pension formulas, service requirements, and plan choices.
We'll review your state benefits alongside:
- Your 403(b) or 457(b) savings
- Any Social Security from other work or a spouse
- Your income, tax, and legacy goals
Jeff Archer, CFF, FRC
Certified Financial Fiduciary · Federal Retirement Consultant
At Archer Life Financial, we help government employees understand how their pension, retirement accounts, taxes, and income strategies fit together.
Jeff teaches retirement workshops throughout Ohio and educational webinars nationwide, and meets with clients virtually or in person.
Ready for Your Retirement Benefits Review?
No pressure, no obligation. Just a clear look at what you've earned and how to make it work for you.
Schedule Your Benefits Review
Pick a time that works for you. No cost, no obligation.
How We Help?
Our approach is comprehensive, personalized, and always in your best interest.
1.
Estate Plan Review
We review your existing documents — wills, trusts, powers of attorney, beneficiary designations — and identify dangerous gaps.
2.
Beneficiary Audit
Outdated beneficiaries are one of the biggest estate planning mistakes. We audit every account to make sure your wishes are current.
3.
Trust Strategy
We help determine if a revocable living trust, irrevocable trust, or other structure is right for your situation and goals.
4.
Legacy & Gifting Planning
Whether it's funding a grandchild's education or charitable giving, we create tax-efficient strategies to transfer wealth during your lifetime.
5.
Life Insurance Review
We evaluate whether your current coverage is adequate, overpriced, or unnecessary — and recommend adjustments to align with your estate goals.
6.
Attorney Coordination
We work with your estate attorney to ensure your financial plan and legal documents are aligned and up to date.
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© 2026 Archer Group Financial. All rights reserved. Archer Group Financial is affiliated with Affinity Advisory Network, LLC, a financial services firm helping clients prepare for retirement through the use of insurance and investment products and services. Insurance products are sold based on the best interest standard at both the state and insurance carrier level.