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

Looking for a FERS retirement specialist in Colorado Springs?

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

Where Colorado Springs federal employees work

Colorado Springs and the Pikes Peak region has about 15,000 federal civilian employees. The largest federal employers in the area:

• Fort Carson Fort Carson employs 5,412 civilians alongside 23,716 active-duty soldiers and 1,450 contractors in a total post population of 89,630.
• Peterson Space Force Base and Cheyenne Mountain Space Force Station Peterson Space Force Base and Cheyenne Mountain host NORAD and US Space Command elements and employ about 4,297 civilians and 5,632 military.
• United States Air Force Academy The Air Force Academy employs about 1,878 civilians alongside 6,113 military, though it cut 140 civilian positions in 2025.
• Schriever Space Force Base Schriever Space Force Base runs satellite operations with about 675 civilian employees and 2,026 military personnel.
• Space Base Delta 1 and US Space Command headquarters Space Base Delta 1 and US Space Command headquarters are both based at Peterson Space Force Base.
• VA Eastern Colorado Health Care System The Colorado Springs VA clinic belongs to the VA Eastern Colorado Health Care System, which has 3,476 full-time employees across 12 locations.

How Colorado taxes a federal retirement

Colorado taxes retirement income but excludes part of a FERS annuity for many retirees. Colorado lets you subtract up to $20,000 of pension and annuity income if you are 55 to 64, and up to $24,000 if you are 65 or older, figured separately for each spouse on a joint return. A FERS basic annuity qualifies, and anything above the cap is taxed at the 4.4% flat rate. If you are under 55 you get no subtraction at all unless the income is a death benefit. The full picture, including TSP withdrawals and Social Security, is on the Colorado page.

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

How matching works for Colorado Springs 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 Colorado

   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 Fort Carson or anywhere else in Colorado Springs and the Pikes Peak region:

• 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 Fountain, Monument, Woodland Park, Manitou Springs, Falcon and the rest of Colorado Springs and the Pikes Peak region use the same form above; the match is by state, so distance from Colorado Springs does not matter. Elsewhere in Colorado: Denver. Or start from the Colorado page or the full state list.

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