Get matched with a Federal Retirement Consultant who serves your state

What getting matched means

Matching is by state, on purpose.

Many FRC holders also hold insurance or securities licenses, and those are issued state by state. Matching on your state keeps you with a consultant who is allowed to work with you where you live. The federal rules are the same everywhere; what changes from state to state is how your pension, TSP and Social Security are taxed, which is why every state page below spells that out.

How matching works

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 your state

   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.

Pick your state

Each state page covers how that state taxes a FERS annuity, TSP withdrawals and Social Security, where its federal employees work, and a booking form that is already set to your state.

Northeast

Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont

South

Alabama, Arkansas, Delaware, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia

Midwest

Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin

West

Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming

Federal hubs we cover

City pages for the places with the largest federal workforces, with the installations and agencies where people actually work:

Albuquerque, NM, Anchorage, AK, Atlanta, GA, Austin, TX, Baltimore, MD, Billings, MT, Biloxi, MS, Boise, ID, Boston, MA, Burlington, VT, Charleston, SC, Cheyenne, WY, Chicago, IL, Colorado Springs, CO, Columbia, SC, Dallas, TX, Dayton, OH, Denver, CO, Des Moines, IA, Detroit, MI, Dover, DE, El Paso, TX, Fargo, ND, Fayetteville, NC, Honolulu, HI, Houston, TX, Huntsville, AL, Indianapolis, IN, Jacksonville, FL, Kansas City, MO, Las Vegas, NV, Little Rock, AR, Los Angeles, CA, Louisville, KY, Manchester, NH, Manhattan, Kansas, KS, Martinsburg, WV, Memphis, TN, Milwaukee, WI, Minneapolis, MN, New London, CT, New Orleans, LA, New York City, NY, Newark, NJ, Ogden, UT, Oklahoma City, OK, Omaha, NE, Pensacola, FL, Philadelphia, PA, Phoenix, AZ, Portland, OR, Portland, ME, Providence, RI, Rapid City, SD, Richmond, VA, Sacramento, CA, San Antonio, TX, San Diego, CA, San Francisco, CA, Seattle, WA, Silver Spring, MD, St. Louis, MO, Tampa, FL, Tucson, AZ, Virginia Beach, VA

What the review covers

Whatever state you are in, the consultant walks the same ground, 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.

Education, not advice. Nothing is filed at the review, and confirming figures with OPM or your agency before you act is always the right move. See what a review covers step by step.