FERS retirement specialist in Seattle: get matched with a Federal Retirement Consultant

Looking for a FERS retirement specialist in Seattle?

Seattle is a federal town, and the questions are the same at every desk.

When can I retire, what does the survivor election really cost, does the FERS Supplement apply to me, how do I turn the TSP into income. The rules that answer those are federal and identical everywhere. What is specific to you is your service history, your goals, and how Washington taxes what you take home. A consultant matched on your state reads all three together.

Where Seattle federal employees work

Washington has about 59,000 federal civilian employees, and Seattle carries a large share of them. The largest federal employers in the area:

• Puget Sound Naval Shipyard The Navy's largest public shipyard, in Bremerton, maintains and refuels nuclear submarines and aircraft carriers with more than 14,000 federal civilian employees.
• Naval Base Kitsap The umbrella Navy installation across Kitsap County counts 24,340 civilian employees against 18,360 active duty, a figure that includes the shipyard.
• Joint Base Lewis-McChord A combined Army and Air Force base near Tacoma, the largest employer in Pierce and Thurston counties, with about 16,000 civilian employees.
• VA Puget Sound Health Care System A 231 bed VA medical center in Seattle plus the American Lake division in Tacoma and seven outpatient clinics across western Washington.
• U.S. Coast Guard 13th District Headquartered at the Henry M. Jackson Federal Building downtown, this district covers Coast Guard operations in Washington, Oregon, Idaho, and Montana.
• Naval Air Station Whidbey Island Home to the Navy's EA-18G Growler electronic attack squadrons near Oak Harbor, roughly 85 miles north of Seattle.
• FAA Northwest Mountain Region The FAA's regional office for the Pacific Northwest, now based in a consolidated building in Des Moines, Washington.

How Washington taxes a federal retirement

Washington has no state income tax, so a FERS annuity, TSP withdrawals and Social Security are not taxed at the state level. The full picture, including TSP withdrawals and Social Security, is on the Washington page.

Tax year 2026 rates. Confirm with the Washington revenue department or a tax professional.

How matching works for Seattle federal employees

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 Washington

   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, whether you work at Puget Sound Naval Shipyard or anywhere else in Seattle and Puget Sound:

• 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.

Also serving

Federal employees in Tacoma, Bremerton, Everett, Lakewood and the rest of Seattle and Puget Sound use the same form above; the match is by state, so distance from Seattle does not matter. Or start from the Washington page or the full state list.

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