GS-11 to GS-12 FERS Retirement Optimization Guide

Last updated: February 4, 2025

Advanced FERS Retirement Planning for GS-11 and GS-12

Senior-level federal employees in grades GS-11 and GS-12 have unique opportunities to optimize their retirement benefits through strategic planning.

Optimize Your Benefits: Use our Retirement Planning Wizard to create a comprehensive retirement strategy.

Strategic Considerations

  • High-3 salary optimization
  • Premium pay impact
  • Management transition planning
  • Career progression strategies

Benefit Maximization

  • TSP catch-up contributions
  • FEHB strategy optimization
  • Retirement timing analysis
  • Social Security coordination

Maximize Your Retirement Benefits

Visit GovRet.com to:

  • Calculate optimal retirement dates
  • Analyze benefit scenarios
  • Plan career transitions
  • Access advanced planning tools
senior level, GS-11, GS-12, career planning, retirement strategy