Get matched with a Federal Retirement Consultant in Maryland

Getting matched in Maryland

Maryland taxes retirement income but excludes part of a FERS annuity for many retirees.

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 Maryland reads your plan with that in view.

How Maryland taxes a federal retirement

Your FERS annuity is taxable in Maryland, but if you are 65 or older on the last day of the year, or you or your spouse is totally disabled, you can claim Maryland's pension exclusion of up to $41,200 for 2025 and $40,600 for 2026. The exclusion is reduced dollar for dollar by all Social Security and Railroad Retirement benefits you receive, taxable or not, so if your Social Security exceeds the cap the exclusion is zero.

Thrift Savings Plan money is eligible for Maryland's pension exclusion, so TSP withdrawals share the same $41,200 for 2025 and $40,600 for 2026 cap as your FERS annuity. Traditional, Roth and rollover IRAs are not eligible, so rolling a TSP balance into an IRA permanently forfeits the exclusion on that money.

Maryland does not tax Social Security or Railroad Retirement benefits, and any amount taxed federally is subtracted on your Maryland return.

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

Where Maryland federal employees work

Maryland has about 144,000 federal civilian employees, with large concentrations at Fort Meade and the National Security Agency, Aberdeen Proving Ground, National Institutes of Health, Food and Drug Administration White Oak campus, Social Security Administration headquarters and NASA Goddard Space Flight 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 Maryland

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 Maryland

   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.

Maryland cities

City pages for the largest federal workforces in Maryland, with the installations and agencies where people work: Baltimore, Silver Spring. Not near one of these? The booking form above works for anyone in Maryland.

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