About Us
VEBS is a small family owned business specializing in providing federal employee benefits training and assistance to federal agencies.
We specialize in providing federal agencies with comprehensive pre-retirement benefits training and expert individual advice and counseling for all federal employees. We offer agencies standard and customized seminars, comprehensive training materials, employee counseling services, and early out assistance.
Our goal is to educate federal employee’s, spouses, and their families about the federal retirement system and choices involved in retirement planning so that they may make informed decisions. This will enable them to meet their retirement goals and objectives.
Our company focuses exclusively on the financial, retirement, and estate planning needs of federal civil service employees.
We are registered in the DoD Central Contractor Registry and accept Government Purchase Card payment.
You will leave the meeting with a complete retirement packet that is ready to mail. A full understanding of your federal retirement system. Plus copies of all paperwork and calculations that are done in the 1-on-1 meeting.
Meetings range from 30 minutes to 1 hour. Depending on various factors that may come up when reviewing your retirement situation.
FERS Eligibilty
FERS (Federal Employees Retirement System) eligibility depends on your Minimum Retirement Age (MRA)—typically between 55–57 based on birth year—and years of federal service. For example, you qualify for an immediate annuity at MRA with 30 years of service, age 60 with 20 years, or age 62 with at least 5 years.
The FERS supplement is an extra payment that bridges the gap between retirement and Social Security eligibility at age 62. It’s calculated based on your years of federal service. Most employees retiring with MRA + 30 or age 60/20 qualify. LEOs and VERA retirees have special rules.
The Voluntary Early Retirement Authority (VERA) allows agency employees affected by cutbacks to retire early with reduced years of service. Eligibility criteria vary by agency and event—typically requiring age 50 with 20 years or MRA with 25 years.
Yes. FERS LEOs (e.g., CBP, SBA OIG 1811, firefighters) can retire at age 50 with 20 years or any age with 25 years of service. They can be subject to mandatory retirement at age 57 unless a waiver is granted.
Retirement Benefits
You can purchase credit for qualified active-duty military service by completing the Standard Form 3108 and paying with a lump sum or an installment plan. The cost is based on a percentage of your base salary plus interest. Military buyback could possibly increase your FERS pension and retirement supplement. Schedule a meeting with us to see if it works for you!
FEGLI provides multiple life insurance options:
-Option A: $10,000 fixed additional coverage
-Option B: Up to 5× your salary in increments
-Option C: Family (spouse/children) coverage in multiples
You choose upon hire or during the open season.
Yes, as long as you’ve been enrolled for the 5 years immediately before retirement, you can continue FEHB into retirement. FEHB can be paired with Medicare Parts A and B.
You can withdraw from your TSP after 59½ via:
-Installments: Set monthly automatic payments
-Lump sum: One-time withdrawal
-Annuity: Starts guaranteed payments for life from a TSP provider
Our TSP withdrawal strategies page helps you evaluate the best option based on age, taxes, and income needs.