Get matched with a Federal Retirement Consultant in Connecticut

Getting matched in Connecticut

Connecticut taxes retirement income but excludes part of a FERS annuity for many retirees.

That matters because the federal rules are identical in every state, but the take-home is not. A retirement date, a survivor election or a TSP withdrawal plan that is right in one state can land differently in another once state tax is counted. A consultant who serves Connecticut reads your plan with that in view.

How Connecticut taxes a federal retirement

For tax year 2026 Connecticut lets you subtract 100 percent of pension and annuity income, including a FERS basic annuity, if your federal adjusted gross income is under $75,000 filing single, separately or as head of household, or under $100,000 filing jointly. Above those floors the deduction steps down through 85, 70, 55, 40, 25, 10, 5 and 2.5 percent, reaching zero at $100,000 of income for single filers and $150,000 for joint filers.

A traditional TSP withdrawal is reported as pension and annuity income and rides the same income phase out as your FERS annuity, fully exempt below $75,000 single or $100,000 joint and zero at $100,000 single or $150,000 joint. Connecticut's separate IRA subtraction reaches 100 percent in 2026 on an identical schedule, so the result is the same either way.

Connecticut exempts all taxable Social Security when income is under $75,000 single or married filing separately, or under $100,000 joint or head of household. At or above those levels no more than 25 percent of your benefits is taxed.

Tax year 2026 rates; exclusions as published for current returns. Confirm with the Connecticut revenue department or a tax professional.

Where Connecticut federal employees work

Connecticut has about 7,300 federal civilian employees, with large concentrations at Naval Submarine Base New London, U.S. Coast Guard Academy, VA Connecticut Health Care and Bradley Air National Guard Base. Wherever you work, the retirement rules are the same federal rules. What changes with your address is the tax picture above and which consultants are licensed to work with you.

How matching works in Connecticut

1. Step 1

   Tell us where you are

   Pick a time below and share your city, state and the decision you are weighing. Nothing is filed and you can stop at any step.

2. Step 2

   We match you with an FRC who serves Connecticut

   FFEBA, the organization behind the FRC designation, refers you to a Federal Retirement Consultant in its network who works with federal employees in your state. Look them up by name before the call.

3. Step 3

   A free review, by phone

   The consultant reads your situation against the federal rules and your goals, in plain terms. If your plan already fits, you will hear that.

What the review covers

The consultant walks the same ground for every federal employee, in plain terms and against your own goals:

• Your retirement date. Eligibility, the FERS Supplement, COLA timing, and how the date shapes your first years of income.
• The survivor election. What it costs, what it protects, and how it affects FEHB for a spouse.
• FEHB and Medicare. The five-year rule, and how your plan coordinates with Medicare later.
• FEGLI. Which options you carry into retirement, and where coverage stops earning its cost.
• The TSP. How it is invested today and how you will turn it into income once the paychecks stop.

Connecticut cities

City pages for the largest federal workforces in Connecticut, with the installations and agencies where people work: New London. Not near one of these? The booking form above works for anyone in Connecticut.

This page is education, not tax, legal or investment advice. State rules change; confirm the Connecticut figures with the state revenue department or a tax professional before you file anything.