FERS retirement specialist in Houston: get matched with a Federal Retirement Consultant

Looking for a FERS retirement specialist in Houston?

Houston 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 Texas taxes what you take home. A consultant matched on your state reads all three together.

Where Houston federal employees work

Houston and the Gulf Coast has about 37,000 federal civilian employees. The largest federal employers in the area:

• NASA Johnson Space Center NASA Johnson Space Center runs Mission Control and the astronaut corps with a workforce of more than 12,000.
• Michael E. DeBakey VA Medical Center The Michael E. DeBakey VA Medical Center leads a Houston VA system spread across 13 southeast Texas locations.
• Bob Casey United States Courthouse The Bob Casey federal courthouse on Rusk Avenue holds the United States District Court for southern Texas.
• Coast Guard Sector Houston-Galveston Coast Guard Sector Houston-Galveston runs marine safety and port operations for the Texas coast under the Heartland District.

How Texas taxes a federal retirement

Texas has no state income tax, so a FERS annuity, TSP withdrawals and Social Security are not taxed at the state level. The full picture, including TSP withdrawals and Social Security, is on the Texas page.

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

How matching works for Houston 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 Texas

   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 NASA Johnson Space Center or anywhere else in Houston and the Gulf Coast:

• 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 Pasadena, League City, Webster, Sugar Land, Galveston and the rest of Houston and the Gulf Coast use the same form above; the match is by state, so distance from Houston does not matter. Elsewhere in Texas: Austin, Dallas, El Paso, San Antonio. Or start from the Texas page or the full state list.

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