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

Looking for a FERS retirement specialist in Martinsburg?

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

Where Martinsburg federal employees work

West Virginia has about 17,000 federal civilian employees, and Martinsburg carries a large share of them. The largest federal employers in the area:

• Martinsburg VA Medical Center The Martinsburg VA Medical Center on Butler Avenue serves veterans across the Eastern Panhandle and nearby Maryland and Virginia.
• Coast Guard Operations Systems Center The Coast Guard Operations Systems Center in Martinsburg builds and runs the service's enterprise technology systems.
• 167th Airlift Wing The 167th Airlift Wing of the West Virginia Air National Guard flies cargo aircraft from Shepherd Field in Martinsburg.
• National Conservation Training Center The National Conservation Training Center in Shepherdstown trains thousands of Fish and Wildlife Service professionals every year.
• Harpers Ferry National Historical Park Harpers Ferry National Historical Park is the National Park Service site where West Virginia, Maryland and Virginia meet.

How West Virginia taxes a federal retirement

West Virginia taxes retirement income but excludes part of a FERS annuity for many retirees. West Virginia taxes your FERS basic annuity as ordinary income except for a modification of up to $2,000, allowed at any age, and that $2,000 is a combined cap shared with any West Virginia teachers or public employees retirement modification. If you are at least 65 by year end, or certified permanently and totally disabled, you may also modify up to $8,000 of other income per qualifying taxpayer, reduced by the modifications you already claimed. Retired federal law enforcement officers and firefighters are fully exempt with no dollar cap. The full picture, including TSP withdrawals and Social Security, is on the West Virginia page.

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

How matching works for Martinsburg 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 West 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 Martinsburg VA Medical Center or anywhere else in Martinsburg and the Eastern Panhandle:

• 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 Hedgesville, Shepherdstown, Charles Town, Inwood, Harpers Ferry and the rest of Martinsburg and the Eastern Panhandle use the same form above; the match is by state, so distance from Martinsburg does not matter. Or start from the West Virginia page or the full state list.

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