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Tag: FERS

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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Should You Buy Back Your Military Time?
  • Federal Benefits

Should You Buy Back Your Military Time?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, 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®, CLU®, EA
  • Posted on August 4, 2021March 5, 2025

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

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Should You Elect The FERS Survivor Annuity Benefit?
  • Survivor Benefit

Should Federal Employees Elect A Survivor Benefit?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 28, 2021March 4, 2025

When you retire, you’ll have the option of providing a survivor annuity for your beneficiaries…

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Why Federal Employees Retire At Age 62
  • Federal Benefits

4 Reasons Why Federal Employees Retire At 62

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 14, 2021March 4, 2025

When federal employees are trying to choose a time to retire, they often hear that…

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Calculating FERS Annuity
  • Federal Benefits
  • Video

How To Calculate Your FERS Pension (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 23, 2021July 16, 2021

In this video, I’ll review how to calculate the FERS annuity and why it’s important…

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  • Federal Benefits

5 Ways Your Federal LEO Retirement Benefits Are Different

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 19, 2021February 26, 2025

For the most part, all federal employees enjoy the same robust benefits, such as the…

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  • Federal Benefits

What Is FERS Creditable Service And Why Is It Important?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on March 17, 2021February 28, 2025

What Is Creditable Service? You may have heard the term “creditable service,” but what exactly…

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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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