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

Looking for a FERS retirement specialist in Richmond?

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

Where Richmond federal employees work

Richmond and the Tri-Cities has about 18,000 federal civilian employees. The largest federal employers in the area:

• Fort Gregg-Adams Fort Gregg-Adams is the Army Sustainment Center of Excellence and draws more than 29,000 people on an average day.
• Defense Supply Center Richmond Defense Supply Center Richmond is the Defense Logistics Agency site that manages aviation parts for the military services.
• Hunter Holmes McGuire VA Medical Center The Hunter Holmes McGuire VA Medical Center on Broad Rock Boulevard anchors the Central Virginia VA Health Care System.
• United States District Court for the Eastern District of Virginia The federal courthouse on East Broad Street serves the United States District Court for the Eastern District of Virginia.

How Virginia taxes a federal retirement

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

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

How matching works for Richmond 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 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, whether you work at Fort Gregg-Adams or anywhere else in Richmond and the Tri-Cities:

• 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 Chesterfield, Henrico, Petersburg, Hopewell, Colonial Heights and the rest of Richmond and the Tri-Cities use the same form above; the match is by state, so distance from Richmond does not matter. Elsewhere in Virginia: Virginia Beach. Or start from the Virginia page or the full state list.

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.