Get matched with a Federal Retirement Consultant in Virginia

Getting matched in Virginia

Virginia 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 Virginia reads your plan with that in view.

How Virginia taxes a federal retirement

Virginia has no exclusion specific to federal civilian pensions, so your FERS annuity is fully taxable at rates topping out at 5.75 percent above $17,000 of income. The only relief is the general age deduction at 65 and older. Born on or before January 1, 1939, you deduct a flat $12,000 each. Born between January 2, 1939 and January 1, 1960, that $12,000 drops by $1 for every dollar of adjusted federal adjusted gross income above $50,000 single or $75,000 married, so it is gone at $62,000 and $87,000.

Traditional TSP withdrawals past age 59.5 are fully taxable in Virginia and get no separate break. They are reduced only by the same general age deduction, a per-taxpayer cap of $12,000 that covers all income rather than a per-source exclusion.

Virginia exempts Social Security and Tier 1 Railroad Retirement benefits, and anything included in your federal adjusted gross income is subtracted on the state return.

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

Where Virginia federal employees work

Virginia has about 147,000 federal civilian employees, with large concentrations at Naval Station Norfolk, Norfolk Naval Shipyard, Portsmouth, Marine Corps Base Quantico, Fort Belvoir, NASA Langley Research Center and Central Intelligence Agency headquarters, Langley. 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 Virginia

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 Virginia

   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.

Virginia cities

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

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