The Civil Service Retirement System (CSRS) was created in 1920 and provides benefits for most federal employees hired before 1984. It is a comprehensive entitlement system that provides a full range of pension benefits and wage insurance protection.


CSRS provides a defined benefit pension. This means that employees who retire at a certain age, with a certain number of years of creditable service, will receive a percentage of their “High-3” salary each year for the rest of their life. CSRS requires a 7% contribution of an employee’s base pay, but CSRS employees do not pay into Social Security. CSRS members are eligible to contribute money to the Thrift Savings Plan (TSP) but receive no matching funds from their federal agency.




401(k)-type retirement plans such as TSP are defined contribution plans that offer a non-guaranteed, lump sum of money at retirement based on the accumulation of wealth in the retiree’s account; CSRS guarantees a set income for life. This income is based on a complex set of criteria, formulas, and rules. CSRS retirees also receive annual cost-of-living adjustments (COLAs) based on the Consumer Price Index (CPI).




CSRS employees have a maze of formulas, calculations, and scenarios to wade through, making it especially important for you to plan early. As a CSRS employee, you will face several difficult decisions that will affect your post-retirement quality of life. Employee Benefit Advisors can prepare a personalized retirement benefit analysis that will thoroughly examine all of your options and help you make the right choices.

Public CSRS/FERS Seminars

CSRS/FERS Pre-Retirement Planning Seminars are two day courses that include an individual Federal Employee Benefit Analysis. Course also includes our Federal Benefits Sourcebook.


Contract onsite or offsite Pre-Retirement Seminars

We conduct onsite or offsite, CSRS only, FERS only, or CSRS/FERS combined. We offer Early Career Retirement Planning, Mid-Career Retirement Planning and Pre-Retirement Planning. Our seminars can be further customized to meet the needs of special retirement types such as Law Enforcement, Air Traffic Controllers, and Firefighters. Seminars include our Federal Benefits Sourcebook and an individual consultation and benefit analysis for all attendees*.


Individual Federal Employee Benefit Analysis

We can conduct an individual Federal Employee Benefit Analysis for you, and offer a one-on-one consultation* to review the results and discuss your options.

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*Individual retirement consultations currently available in Atlanta, Chicago, Dallas, and Washington, D.C.