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Category: FERS Pension

How Will Your Federal Retirement Benefits Be Taxed?
  • Federal Benefits

How Will Your Federal Retirement Benefits Be Taxed?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on October 27, 2021March 4, 2025

Many federal employees don’t realize the impact that taxes will have on their retirement income.…

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How Is Your FERS High-3 Calculated?
  • FERS Pension

How Is Your FERS High-3 Calculated?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on October 20, 2021February 23, 2025

Most federal employees have heard the term “High-3,” and many understand that their pension will…

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How Do The FERS COLAs Work?
  • Federal Benefits

How Do The FERS COLAs Work?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on October 6, 2021February 28, 2025

As a federal employee, one of your greatest benefits is your FERS pension, and one…

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Can Federal LEOs Elect the Postponed Or Deferred Retirement?
  • Federal Benefits

Can Federal LEOs Elect the Postponed Or Deferred Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 29, 2021September 29, 2021

Although we have covered the enhanced retirement benefits for LEOs and the FERS early retirement…

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The FERS Postponed vs Deferred Retirement
  • Federal Benefits

FERS Early Retirement Options: Postponed Vs. Deferred

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 22, 2021February 28, 2025

Although retiring after 20 or 30 years of uninterrupted service is usually uncomplicated, for federal…

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8 Things Federal Employees Should Do 5 Years From Retirement
  • Federal Benefits

8 Things Federal Employees Should Do 5 Years Before Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 15, 2021February 3, 2025

Retirement is a significant milestone, representing the culmination of years of hard work and the…

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The Common And Costly Estate Planning Mistake Federal Employees Make
  • Federal Benefits

The Common And Costly Estate Planning Mistake Federal Employees Make

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 8, 2021September 8, 2021

There are many financial mistakes that federal employees can make throughout their life but one…

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Understanding The FERS Deferred Retirement
  • Federal Benefits

Understanding the FERS Deferred Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 1, 2021February 28, 2025

Every federal employee knows that the FERS pension is a great benefit, but many are…

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How Much Of Your FERS Pension Will You Keep?
  • Federal Benefits

How Much Of Your FERS Pension Will You Keep?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 25, 2021October 27, 2021

When planning your federal retirement, you’ll need to calculate your FERS pension and should request…

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What Military Service Can Be Bought Back?
  • FERS Pension

What Military Service Can Be Bought Back?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 18, 2021August 18, 2021

In last week’s article, we reviewed the benefits of making a military service deposit or…

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Meet Your Financial Planner


Jose Armenta is a Certified Financial Planner practitioner specializing in helping FERS federal employees understand and integrate their federal benefits into a comprehensive financial plan.

As a FERS retirement expert, he has helped thousands of federal employees understand their benefits from a financial planning perspective and integrate them into their financial plans.

As a former Marine and police dispatcher, Jose takes great pride in serving those who serve our great nation.

If you’d like to learn more about how his firm can help you reduce taxes, maximize your benefits, and live confidently knowing you are making smart financial decisions, schedule a free consultation today using the appropriate tab in the menu.

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