Get matched with a Federal Retirement Consultant in Florida

Getting matched in Florida

Florida has no state income tax, so a FERS annuity, TSP withdrawals and Social Security are not taxed at the state level.

That matters because the federal rules are identical in every state, but the take-home is not. A retirement date, a survivor election or a TSP withdrawal plan that is right in one state can land differently in another once state tax is counted. A consultant who serves Florida reads your plan with that in view.

How Florida taxes a federal retirement

Florida levies no individual income tax, so your FERS basic annuity is not taxed at the state level at all. The Florida Constitution bars the state from taxing the income of natural persons who are residents or citizens of the state.

Traditional TSP withdrawals are untaxed in Florida, like all other retirement and investment income, because there is no individual income tax.

Florida does not tax Social Security benefits because it has no individual income tax.

Tax year 2026 rates; exclusions as published for current returns. Confirm with the Florida revenue department or a tax professional.

Where Florida federal employees work

Florida has about 95,000 federal civilian employees, with large concentrations at Eglin Air Force Base, MacDill Air Force Base, Naval Air Station Jacksonville, Naval Station Mayport and John F. Kennedy Space Center. Wherever you work, the retirement rules are the same federal rules. What changes with your address is the tax picture above and which consultants are licensed to work with you.

How matching works in Florida

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 Florida

   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, 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.

Florida cities

City pages for the largest federal workforces in Florida, with the installations and agencies where people work: Jacksonville, Pensacola, Tampa. Not near one of these? The booking form above works for anyone in Florida.

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