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

Looking for a FERS retirement specialist in Virginia Beach?

Virginia Beach 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 Virginia Beach federal employees work

Virginia Beach and Hampton Roads has about 54,000 federal civilian employees. The largest federal employers in the area:

• Naval Station Norfolk Naval Station Norfolk is the world's largest naval station and employs about 21,000 civilians alongside 46,000 active-duty sailors.
• Norfolk Naval Shipyard Norfolk Naval Shipyard in Portsmouth is the Navy's oldest and largest industrial facility, with about 11,000 civilian employees.
• Naval Air Station Oceana Naval Air Station Oceana in Virginia Beach is the Navy's East Coast master jet base, with about 4,500 civilian employees.
• Joint Base Langley-Eustis Joint Base Langley-Eustis in Hampton hosts Air Combat Command headquarters and supports more than 9,000 military and civilian personnel.
• NASA Langley Research Center NASA Langley Research Center in Hampton employs about 3,400 civil servants and on-site contractors combined.
• Naval Medical Center Portsmouth Naval Medical Center Portsmouth is one of the Navy's largest hospitals, with roughly 4,300 sailors and civilians working from Yorktown to Chesapeake.
• Hampton VA Medical Center Hampton VA Medical Center has more than 2,000 full-time employees and serves over 50,000 veterans a year in southeastern 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 Virginia Beach 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 Naval Station Norfolk or anywhere else in Virginia Beach and Hampton Roads:

• 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 Norfolk, Portsmouth, Chesapeake, Newport News, Hampton and the rest of Virginia Beach and Hampton Roads use the same form above; the match is by state, so distance from Virginia Beach does not matter. Elsewhere in Virginia: Richmond. 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.