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Tag: FERS

How Do The FERS COLAs Work?
  • Federal Benefits

How Do The FERS COLAs Work?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on October 6, 2021April 22, 2022

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®, 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®, EA
  • Posted on September 22, 2021September 22, 2021

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®, EA
  • Posted on September 15, 2021September 16, 2021

For most federal employees, retirement has always seemed like a far-away concept and not a…

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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®, 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®, EA
  • Posted on September 1, 2021September 2, 2021

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®, 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®, 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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Should You Buy Back Your Military Time?
  • Federal Benefits

Should You Buy Back Your Military Time?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on August 11, 2021August 11, 2021

If you’re a veteran, then you have likely heard the phrase “buying back your military…

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Why Federal Employees Retire At Age 57
  • Federal Benefits

3 Reasons Why Federal Employees Retire At 57

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on August 4, 2021December 5, 2021

An important part of establishing your retirement plan is choosing the best age to retire.…

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Meet Your Financial Planner


Hi, I’m Jose Armenta, a Certified Financial Planner practitioner specializing in helping federal employees understand and integrate their federal benefits into a comprehensive financial plan. For over 14 years, I have worked with and among federal employees, first as a Marine, then as a police dispatcher, and now as a financial planner helping FERS federal employees.

If you’d like to learn more about how my 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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