Get matched with a Federal Retirement Consultant in Michigan

Getting matched in Michigan

Michigan 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 Michigan reads your plan with that in view.

How Michigan taxes a federal retirement

Michigan is phasing its retirement deduction back in, and federal retirement counts as a public retirement system. For 2026 and later every taxpayer regardless of birth year may deduct up to $67,610 filing single or separately and $135,220 filing jointly. For 2025 a taxpayer born from 1946 through 1966 could deduct 75 percent of those amounts, $49,423 single and $98,846 joint. Taxpayers born before 1946 may instead elect the older treatment and deduct public retirement benefits with no dollar limit.

The caps apply to the combined total of public and private retirement benefits, so a TSP withdrawal and your FERS annuity are added together against the same $67,610 or $135,220 ceiling rather than each getting its own.

Michigan lets you deduct Social Security benefits included in your income, and for 2026 through 2028 taxpayers born after 1952 who have reached 67 may subtract Social Security and still claim a full standard deduction.

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

Where Michigan federal employees work

Michigan has about 30,000 federal civilian employees, with large concentrations at VA Ann Arbor Healthcare System, John D. Dingell VA Medical Center, Detroit Arsenal, Selfridge Air National Guard Base, Defense Logistics Agency Disposition Services headquarters and Battle Creek VA Medical 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 Michigan

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 Michigan

   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.

Michigan cities

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

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