FERS retirement specialist in St. Louis: get matched with a Federal Retirement Consultant

Looking for a FERS retirement specialist in St. Louis?

St. Louis 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 Missouri taxes what you take home. A consultant matched on your state reads all three together.

Where St. Louis federal employees work

Missouri has about 37,000 federal civilian employees, and St. Louis carries a large share of them. The largest federal employers in the area:

• Scott Air Force Base Scott Air Force Base, east of St. Louis in Illinois, hosts US Transportation Command and Air Mobility Command and about 5,100 civilians.
• Next NGA West NGA's St. Louis campus, opened in September 2025, is built to hold about 3,000 employees doing imagery and mapping analysis.
• National Personnel Records Center The National Archives facility in Spanish Lake holds military service records and civilian federal personnel files dating to the late 1800s.
• VA St. Louis Health Care System The VA runs two hospital campuses in St. Louis, John Cochran near downtown and Jefferson Barracks to the south, serving metro veterans.
• US Army Corps of Engineers, St. Louis District The Corps of Engineers St. Louis District manages navigation, flood risk, and environmental projects on the Mississippi and Illinois rivers.

How Missouri taxes a federal retirement

Missouri taxes retirement income but excludes part of a FERS annuity for many retirees. 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. The full picture, including TSP withdrawals and Social Security, is on the Missouri page.

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

How matching works for St. Louis 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 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, whether you work at Scott Air Force Base or anywhere else in the St. Louis bi-state metro:

• 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 Clayton, Florissant, O'Fallon, Belleville, Chesterfield and the rest of the St. Louis bi-state metro use the same form above; the match is by state, so distance from St. Louis does not matter. Elsewhere in Missouri: Kansas City. Or start from the Missouri page or the full state list.

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.