GS-13 FERS Retirement Planning: Maximizing Your Benefits

Last updated: February 4, 2025

FERS Retirement Planning for GS-13 Employees

As a GS-13 federal employee, understanding how to maximize your FERS retirement benefits is crucial for secure retirement planning. This guide provides specific strategies and calculations for GS-13 employees.

Salary Considerations

  • High-3 average salary calculation
  • Locality pay impact
  • Step increases and timing

Retirement Timing

Strategic timing considerations for GS-13 employees:

  • Optimal retirement dates
  • Step increase timing
  • Leave year considerations

Benefit Maximization

  • TSP contribution strategies
  • FEHB optimization
  • Social Security coordination
GS-13, retirement planning, federal benefits, salary calculation