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

Looking for a FERS retirement specialist in Denver?

Denver 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 Denver federal employees work

Colorado has about 41,000 federal civilian employees, and Denver carries a large share of them. The largest federal employers in the area:

• Denver Federal Center The Denver Federal Center in Lakewood is a GSA campus with more than two dozen agencies and over 6,000 federal civilian employees.
• Rocky Mountain Regional VA Medical Center The Rocky Mountain Regional VA Medical Center in Aurora is part of a system with 3,476 full-time employees, including 335 physicians.
• National Renewable Energy Laboratory This Energy Department lab in Golden, renamed the National Laboratory of the Rockies, is contractor-operated, so staff are not federal civil service.
• United States Mint at Denver The Denver Mint produces circulating and collector coins, manufactures coin dies, and stores silver bullion for the Treasury Department.
• Buckley Space Force Base Buckley Space Force Base in Aurora hosts Space Force missile-warning, space-surveillance, and intelligence units, including Space Delta 4 organizations.

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 Denver 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 Denver Federal Center or anywhere else in Denver and the Front Range:

• 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 Lakewood, Aurora, Golden, Arvada, Boulder and the rest of Denver and the Front Range use the same form above; the match is by state, so distance from Denver does not matter. Elsewhere in Colorado: Colorado Springs. 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.