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

Looking for a FERS retirement specialist in New London?

New London 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 Connecticut taxes what you take home. A consultant matched on your state reads all three together.

Where New London federal employees work

Connecticut has about 7,300 federal civilian employees, and New London carries a large share of them. The largest federal employers in the area:

• Naval Submarine Base New London Naval Submarine Base New London sits in Groton and employs more than 9,500 military and civilian personnel.
• Naval Submarine School The Naval Submarine School at the Groton base trains nearly every Navy submariner during their career.
• United States Coast Guard Academy The Coast Guard Academy in New London educates about 1,000 cadets and commissions roughly 200 officers yearly.
• New London VA Clinic The New London VA Clinic on Shaw's Cove delivers outpatient care for veterans across southeastern Connecticut.
• West Haven VA Medical Center The West Haven VA Medical Center is the main hospital of VA Connecticut Healthcare System, serving veterans statewide.

How Connecticut taxes a federal retirement

Connecticut taxes retirement income but excludes part of a FERS annuity for many retirees. For tax year 2026 Connecticut lets you subtract 100 percent of pension and annuity income, including a FERS basic annuity, if your federal adjusted gross income is under $75,000 filing single, separately or as head of household, or under $100,000 filing jointly. Above those floors the deduction steps down through 85, 70, 55, 40, 25, 10, 5 and 2.5 percent, reaching zero at $100,000 of income for single filers and $150,000 for joint filers. The full picture, including TSP withdrawals and Social Security, is on the Connecticut page.

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

How matching works for New London 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 Connecticut

   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 Naval Submarine Base New London or anywhere else in New London and southeastern Connecticut:

• 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 Groton, Waterford, Norwich, Ledyard, Stonington and the rest of New London and southeastern Connecticut use the same form above; the match is by state, so distance from New London does not matter. Or start from the Connecticut page or the full state list.

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