Federal Retirement Planning in Philadelphia
One of the largest federal employment hubs on the East Coast. From the IRS campus in Northeast Philly to the historic Navy Yard, we help Philadelphia federal employees build a retirement plan that reflects years of creditable service.
Service Areas in the Philadelphia Region
Northeast Philadelphia
Bustleton, Somerton, Fox Chase, Rhawnhurst
South Philadelphia & Navy Yard
South Philly, Point Breeze, Pennsport, League Island
Delaware County
Upper Darby, Springfield, Media, Chester
Montgomery & Bucks Counties
Lansdale, Horsham, Doylestown, Willow Grove
Major Federal Employers We Serve
Revenue & Benefits
- IRS Philadelphia Submission Processing Campus
- SSA Northeastern Program Service Center
- Social Security Administration field offices
- Federal Reserve Bank of Philadelphia
- U.S. Mint Philadelphia
Defense & Veterans
- Philadelphia Navy Yard (NAVSUP, NSWCDD)
- Defense Logistics Agency Philadelphia
- VA Medical Center Philadelphia
- VA Medical Center Wilmington (nearby)
- Army Corps of Engineers Philadelphia District
Regional Agencies
- EPA Region 3 (Mid-Atlantic)
- HHS Region 3
- GSA Mid-Atlantic Region
- FEMA Region 3
- FBI Philadelphia Field Office
Upcoming Workshops for Philadelphia Federal Employees
Three hours. No cost. CFP®-led. Join federal employees who walked away with a real plan.
Serving Philadelphia Federal Workers Virtually
Whether you commute via SEPTA, drive I-95 to the Navy Yard, or take Route 1 to the IRS campus, our virtual workshops mean you attend from your desk or home.
From IRS Northeast Campus
Located at 2970 Market Street and the Northeast campus on Roosevelt Blvd. SEPTA Regional Rail or I-95 are the main commute options. No travel needed for our virtual sessions.
From the Navy Yard
Accessible via I-95 South or the SEPTA Broad Street Line to AT&T Station. Defense workers across the Yard attend our free workshops without leaving the base.
From Suburban Counties
Montgomery, Bucks, Delaware, and Chester County federal workers join via Zoom from home. All sessions are recorded for convenience if you need to attend another session.
Why Philadelphia Federal Employees Choose PlanWell
PlanWell Financial Planning
- Certified Financial Planners (CFP®)
- ChFEBC℠ Federal Benefits Specialists
- Fee-Based Fiduciary
- Free 3-Hour FERS Workshop
- IRS & SSA Employee Experience
- Eastern Time Zone Availability
Many Philadelphia Advisors
- General financial credentials typical
- Limited FERS pension knowledge
- Commission-based product sales
- No federal-specific workshops
- Often non-federal-specific advice
- Unfamiliar with TSP and FEHB rules
Philadelphia Federal Retirement FAQs
Do Philadelphia federal employees have access to FERS retirement workshops?
Yes. PlanWell runs free virtual FERS retirement workshops that IRS Philadelphia campus employees, SSA Northeast program staff, and VA Medical Center workers attend regularly. Sessions are 3 hours and cover your pension calculation, TSP, FEHB, and Social Security coordination.
How does the FERS high-3 calculation work for IRS Philadelphia employees?
Your high-3 is the average of your three consecutive highest-earning years. For most IRS Philadelphia campus employees those years come right before retirement. A $5,000 salary difference in your final years can shift your annuity by over $1,500 annually. Our workshops walk through the exact math.
I work at the Philadelphia Mint. When can I retire under FERS?
Under standard FERS you can retire at your Minimum Retirement Age (MRA) with 30 years of creditable service, or at 60 with 20 years, or at 62 with 5 years. If you have law enforcement or special provisions designation, different rules apply. Our CFP professionals clarify your specific MRA based on your Service Computation Date.
What happens to my FEHB coverage when I retire from the Navy Yard or another Philadelphia federal agency?
You keep FEHB in retirement if you were enrolled for the 5 years immediately before retirement. Your agency share of the premium continues in retirement. This is one of the most valuable parts of a federal retirement package and our workshops cover how to compare plan options at your retirement date.
Is PlanWell fee-based or do advisors earn commissions?
PlanWell is a fee-based fiduciary firm. Our CFP professionals are paid directly by clients, not through product commissions. That means our recommendations on TSP allocation, FEGLI coverage, and annuity timing are based solely on what fits your situation.
Ready to Plan Your Federal Retirement in Philadelphia?
Join Philadelphia federal employees who have taken control of their FERS pension, TSP, and FEHB decisions with guidance from a CFP who knows federal benefits.