For federal employees·FERS · CSRS · TSP

For professionals Verify a consultant
Book a review
A mid-career federal employee reviewing paperwork at a desk in a government office, window light to navy shadow
Matched by state

A verifiable consultant who serves federal employees in Arizona

Free review, by phone
Phoenix, Arizona

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

Federal employees in Phoenix and the Valley of the Sun can be matched with an FRC who works with federal employees in Arizona, reviews the decision you are weighing by phone, and can be verified by name before the call. The review is free and nothing is filed.

Get matched Where Phoenix feds work
34,000 Federal civilian employees in Arizona
Partly exempt A FERS annuity under Arizona income tax
$0 The review is free, and nothing is filed

Federal headcount: OPM FedScope (2024). Tax treatment: tax year 2026 rates, confirm with the Arizona revenue department or a tax professional.

Phoenix, AZ

Federal employees in Phoenix and the Valley of the Sun are matched with a Federal Retirement Consultant who serves Arizona, for a free review by phone. Verify them by name before the call.

5 min read Verify any consultant by name

Looking for a FERS retirement specialist in Phoenix?

The short answer

"FERS retirement specialist" is a description anyone can use. A Federal Retirement Consultant is a designation you can check: trained on FERS, CSRS, the TSP, FEGLI, FEHB and survivor rules, background-checked, and listed with FINRA by name. Federal employees in Phoenix and the Valley of the Sun can be matched with an FRC who serves Arizona, for a free review by phone. Nothing is filed.

Phoenix 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 Arizona taxes what you take home. A consultant matched on your state reads all three together.

Where Phoenix federal employees work

Arizona has about 34,000 federal civilian employees, and Phoenix carries a large share of them. The largest federal employers in the area:

  • Phoenix VA Health Care System The Phoenix VA Health Care System employs 4,239 people, including 350 physicians and 1,162 nurses, serving veterans across central Arizona.
  • Luke Air Force Base Luke Air Force Base in Glendale trains F-35 and F-16 fighter pilots and employs about 1,300 federal civilian staff.
  • Federal Correctional Institution Phoenix FCI Phoenix is a low security federal prison with a satellite camp, staffed by correctional officers, medical, and administrative federal employees.
  • U.S. District Court for Arizona, Phoenix Division The Phoenix Division of the U.S. District Court for Arizona sits at the Sandra Day O'Connor Courthouse and covers five counties.
  • USPS Phoenix area processing and distribution facilities USPS runs mail processing plants in Avondale and Phoenix, staffed by mail handlers, clerks, and mechanics who are federal employees.

Phoenix federal employees are paid under the Phoenix-Mesa, AZ locality pay area, which raises base GS pay above the national rate to reflect local labor costs.

Phoenix, AZ

How Arizona taxes a federal retirement

Arizona taxes retirement income but excludes part of a FERS annuity for many retirees. Arizona lets you subtract up to $2,500 per taxpayer each year for federal government pensions, and that covers both CSRS and FERS basic annuities. Anything above $2,500 is taxed at the 2.5% flat rate. The $2,500 is one combined cap across all qualifying federal, Arizona state and Arizona local government pensions, not a separate amount for each plan. The full picture, including TSP withdrawals and Social Security, is on the Arizona page.

Flat 2.5%Arizona income tax
Partly exemptYour FERS annuity
Not taxedSocial Security

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

Two people reviewing federal benefit paperwork together at a table
One call is usually enough to see how the pieces fit before anything is filed.

How matching works for Phoenix 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 Arizona

    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.

Weighing a date, a survivor election or a TSP move? Get matched with an FRC who serves Arizona.

Get matched

What the review covers

The consultant walks the same ground for every federal employee, whether you work at Phoenix VA Health Care System or anywhere else in Phoenix and the Valley of the Sun:

  • 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 Glendale, Scottsdale, Tempe, Mesa, Chandler and the rest of Phoenix and the Valley of the Sun use the same form above; the match is by state, so distance from Phoenix does not matter. Elsewhere in Arizona: Tucson. Or start from the Arizona page or the full state list.

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

Free review, nothing filed.

Get matched
Get matched

Pick a time and we will match you with an FRC who serves Phoenix, AZ

SunMonTueWedThuFriSat

Select a day to see available times.

By submitting your information, you give FFEBA consent to refer you to a Federal Retirement Consultant (FRC) professional in our network, who may contact you about this booking by phone, text, or email. You can opt out at any time.

You're booked

A confirmation is on its way. A licensed advisor will call you at the time you chose.

Questions

Common questions from Phoenix federal employees

01 Is a Federal Retirement Consultant the same as a FERS retirement specialist?
"FERS retirement specialist" is a description, not a credential, and anyone can use it. A Federal Retirement Consultant (FRC) is a designation: the holder completed training on federal benefits, agreed to a code of conduct, passed a background check, and is listed with FINRA's Professional Designations database. That is why you can confirm an FRC by name before you share a single number.
02 Does Arizona tax a FERS pension?
Arizona lets you subtract up to $2,500 per taxpayer each year for federal government pensions, and that covers both CSRS and FERS basic annuities. Anything above $2,500 is taxed at the 2.5% flat rate. The $2,500 is one combined cap across all qualifying federal, Arizona state and Arizona local government pensions, not a separate amount for each plan. Confirm with the Arizona revenue department or a tax professional; this is education, not tax advice.
03 Does the consultant need to be in Phoenix?
No. The review happens by phone, and matching is by state, because insurance and securities licenses are issued state by state. An FRC who serves Arizona can work with a federal employee in Phoenix, AZ the same way as one across the state. Some consultants also meet in person or by video; ask on the call if you prefer that.
04 How do I know the consultant I am matched with is legitimate?
Before the call, look them up on our verification page. An active FRC shows as verified by name. If a name does not verify, do not proceed, and let us know.
05 What happens after the review?
Nothing, unless you want it to. The review is free and nothing is filed with us. If you later choose to move forward on a product through the consultant, that is how they are compensated, and it is always your call. How an FRC is paid is written out in full.