Get matched with a Federal Retirement Consultant in Missouri

Getting matched in Missouri

Missouri 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 Missouri reads your plan with that in view.

How Missouri taxes a federal retirement

A FERS annuity counts as a public pension in Missouri, meaning a pension from any federal, state or local government. The public pension exemption is capped at the maximum Social Security benefit for the year, $48,967 for 2026 and $47,633 for 2025, and the income limits were removed for tax years beginning in 2024, so the cap now applies no matter what you earn. The exemption is reduced dollar for dollar by any Social Security or Social Security disability deduction you claim.

A traditional TSP withdrawal after 59.5 is funded by a federal government source, so it goes on the public pension line and shares the same single public pension cap with your FERS annuity. It does not get the separate $6,000 private pension exemption.

Missouri does not tax Social Security benefits for people 62 or older, or Social Security disability benefits at any age, and the income limits on that deduction were removed starting in 2024.

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

Where Missouri federal employees work

Missouri has about 37,000 federal civilian employees, with large concentrations at Fort Leonard Wood, Whiteman Air Force Base, National Geospatial-Intelligence Agency Campus West, VA St. Louis Health Care System and Kansas City 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 Missouri

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 Missouri

   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.

Missouri cities

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

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