If You're Retiring Now, Watch This Before You Claim FERS
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If You're Retiring Now, Watch This Before You Claim FERS
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ナレーター：
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著者：
- Gross vs. net on a FERS pension — and why the difference matters
- How the survivor benefit election takes ~10% off the top
- Why FEHB (health insurance) is often the single biggest deduction
- What federal and state taxes do to what's left
- The number that actually reaches your bank account — your "port of entry"
Your FERS pension has a number that looks great on paper (gross) and a number that actually lands in your bank account (net) — and the gap is bigger than most federal employees expect. In this short video, Charles walks a $3,000 monthly pension through every deduction, dock by dock, until you see what really comes home.
Do you know your FERS NET number? Not just the gross.
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START HERE
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Apply for a Retirement Consultation:
https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/
Get the Digital Federal Retirement Guidebook:
https://cdfinancial.org/being-a-federal-employee-book/
Subscribe for Weekly Federal Retirement Planning Content:
https://cdfinancial.com/newsletter
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TIMESTAMPS
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0:00 Gross vs. Net — Why It Matters
0:25 The $3,000 Pension Sets Sail
0:30 Deduction 1: Survivor Benefit (–10%)
1:00 Deduction 2: FEHB (Your Health Insurance)
2:01 Deduction 3: Federal Taxes
3:03 Deduction 4: State Taxes
3:26 What Actually Reaches Your Bank Account
3:46 Watch Next: The FERS Choices You Can't Undo
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WHO WE ARE
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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, and retirement income planning — where health meets wealth.
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IMPORTANT DISCLAIMER
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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Educational only; not financial, legal, tax, or investment advice. The $3,000 example and all deduction figures are illustrative — your survivor election, FEHB premium, and tax bracket depend on your situation. Verify with OPM and your agency.
#FERS #FERSPension #FederalRetirement #RetirementIncome #CDFinancial
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