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Category: FERS Pension

Buying Back Military Time
  • Federal Benefits

5 Things You Need To Know About Buying Back Military Time (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 1, 2021July 16, 2021

In this video, I’ll cover the 5 things you need to know about buying back…

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crutches against light white wall
  • Federal Benefits

The FERS Disability Retirement Option

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 27, 2021July 16, 2021

As a Federal employee, you are not offered short-term disability coverage. However, you do have…

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FERS Deferred Retirement
  • Federal Benefits
  • Video

The FERS Deferred Retirement In Under 3 Minutes (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 25, 2021July 16, 2021

Federal employees covered under FERS who separate from service before meeting the requirements for an…

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FERS MRA Plus 10
  • Federal Benefits

What is the FERS MRA + 10 Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 20, 2021February 26, 2025

Federal employees covered under the FERS retirement system are offered a unique retirement option, the…

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FERS Supplement
  • Video
  • Video

The 4 Things You Need To Know About The FERS Supplement (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 4, 2021January 18, 2023

If you are covered by FERS and retire before age 62, you may be eligible…

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analysis blackboard board bubble
  • FERS Supplement

The FERS Supplement At A Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 30, 2020February 28, 2025

If you are covered by FERS and retire before age 62, you may be eligible…

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airbus aircraft airplane airport
  • Federal Benefits

What is the FERS Enhanced Pension Multiplier?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 9, 2020February 28, 2025

Any Federal employees hired after January 1, 1987, are covered under the Federal Employees Retirement…

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  • Federal Benefits

Quickstart Guide to Your Federal Employee Disability Benefits

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 31, 2020July 16, 2021

What is Disability Insurance? Disability insurance is a type of insurance that pays you a…

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  • Federal Benefits

Snapshot of the FERS Pension

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 7, 2020March 3, 2025

The Federal Employees Retirement System (FERS) became effective January 1, 1987, replacing the Civil Service…

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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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