FERS Retirement Help in Colorado Springs
STONEBRIDGE CAPITAL MANAGEMENT • COLORADO SPRINGS, COLORADO
You’ve earned a federal retirement worth planning right. Stonebridge Capital Management provides FERS retirement help in Colorado Springs for federal employees at Peterson SFB, Schriever, Cheyenne Mountain, and USAFA. We combine your FERS pension, TSP, FEHB, FEGLI, and Social Security into one clear plan. You get to decide when to retire, how your income works, and how to keep what you’ve earned.
The Air Force Academy Cadet Chapel — 17 aluminum spires above Colorado Springs — is the most visited chapel in Colorado and one of the most recognizable federal buildings in the American West.
Federal Retirement Planning, Built for Colorado Springs
Colorado Springs is Colorado’s second-largest city and one of the densest federal ecosystems in the United States. Peterson Space Force Base, Schriever SFB, and Cheyenne Mountain SFS make it the operational headquarters of U.S. Space Command and NORAD. Fort Carson employs thousands of civilian federal workers alongside its uniformed population. The Air Force Academy graduates a class of officers every year and employs hundreds of federal civilians to run the institution. Then there’s the ring of federal contractors — Lockheed Martin, Northrop Grumman, Ball Aerospace, L3Harris, and dozens more — many of them staffed by former federal employees whose retirement plans depend on the same rules as their still-federal neighbors.
The federal households we work with in Colorado Springs share a pattern the rest of the state doesn’t have in the same concentration: overlap between military service, civilian federal service, and defense-contractor careers. A GS-14 civilian at Peterson who spent 12 years in uniform first. A retired Army officer at Fort Carson who moved into a federal civilian role rather than take a Lockheed offer. A dual-career couple where one spouse is FERS at Schriever and the other is a former federal employee now with Northrop. These pathways are common here and almost nowhere else. They also make federal retirement planning noticeably harder — and easier to get wrong.
What “Federal Retirement Specialist” Actually Means
Colorado Springs’s federal workforce is unusually diverse — GS-9s at Fort Carson, GS-14s at Peterson, contractors with prior federal service, career military moving into civilian federal roles. What most of them share isn’t a common income level; it’s scattered advice from generalists.
Here is the difference in practice. A generalist sees a TSP and thinks “rollover.” A specialist asks first whether the G Fund — an instrument that exists nowhere else — should anchor your fixed-income allocation for life. A generalist sees a pension and plugs a number into software. A specialist computes the high-3 from your actual salary history, checks whether unused sick leave moves you across a service threshold, and verifies the FEHB five-year rule before you set a date — because at the SES and GS-15 level, the annuity being protected is large, and the Survivor Benefit election protecting it deserves real analysis, not a default checkbox.
A specialist also knows what changes at 62, what the Special Retirement Supplement pays a 30-year MRA retiree until then, and how the earnings test treats the board seats and consulting work that often follow senior federal careers. That level of fluency is the service. Everything else is generic.
For federal employees who want a broader educational overview before working through their own plan, our Federal Retirement Workshop is designed to help explain the major benefit programs and retirement decisions in plain language.
Our role is to help senior federal employees in Colorado Springs coordinate the federal benefits with the rest of the financial picture — including the corporate retirement on the other side of a dual-professional household — into one comprehensive plan, so that important decisions are made deliberately rather than by default. Learn more about our approach and what makes Stonebridge Capital Management different.
How We Help Federal Employees in Colorado Springs
A Personalized Federal Retirement Roadmap
We bring together your pension, TSP, FEHB, FEGLI, survivor benefits, Social Security, and retirement timing into one coordinated retirement plan.
You’ll see where you stand today, the options available to you, your projected retirement income, and a retirement timeline you can move toward with confidence.
Plain-Language Guidance, Not Sales Pressure
Federal retirement is complicated enough without jargon, sales tactics, or manufactured urgency.
We explain your options clearly, answer your questions honestly, and help you understand the trade-offs before making decisions.
Decisions happen at your pace, not ours.
Planning in Colorado Springs — In Person or by Video
Our Colorado Springs office is open by appointment for in-person planning, and our Englewood headquarters is 70 miles up I-25.
Meet at either location, or by video from anywhere in Colorado.
When questions come up between meetings, you have a local team to reach, not a national call center.
Colorado Springs’s federal workforce deserves federal-specialist planning, not generic advice with a military layer on top.
Federal Retirement Topics We Cover for Colorado Springs Federal Employees
The federal retirement decisions that drive lasting income are concentrated in a handful of benefit programs. Each has its own complexity, and each matters.
FERS Pension Planning
Your federal pension is likely the foundation of your retirement income. Understanding when you can retire, how much income your pension may provide, and how survivor benefit elections affect your family can have a lasting impact on retirement.
We help you evaluate your retirement eligibility, project your pension under different retirement dates, and understand the trade-offs involved in retiring sooner or working longer.
Thrift Savings Plan (TSP) Strategy
For many federal employees, the TSP is their largest retirement asset. Decisions about investments, withdrawals, Roth conversions, and whether to leave funds in the TSP or move them to an IRA can have a significant impact on retirement income and taxes. We help you evaluate your options, understand the trade-offs, and coordinate your TSP strategy with your pension, Social Security, and overall retirement plan.
FEHB and Medicare Coordination
Your FEHB coverage may be one of the most valuable benefits you carry into retirement. Decisions about Medicare enrollment, which FEHB plan to keep, and how your coverage will work alongside Medicare can have a lasting impact on healthcare costs and coverage. We help you understand your options, evaluate the trade-offs, and make informed decisions about healthcare in retirement.
FEGLI Life Insurance Decisions
The life insurance decisions you make before retirement can have long-term consequences for both cost and coverage. As you age, certain FEGLI premiums can increase significantly, making it important to evaluate your options well before retirement. We help you understand your FEGLI elections, compare costs and benefits, and determine whether maintaining FEGLI, reducing coverage, or exploring private insurance alternatives may better support your family’s goals.
FERS Supplement
For eligible FERS retirees, the FERS Supplement can provide an important source of income between retirement and age 62. Understanding whether you qualify, how much you may receive, and how post-retirement earnings can affect the benefit is an important part of retirement planning. We help you evaluate how the FERS Supplement fits into your overall retirement income strategy and retirement timing decisions.
Survivor Benefit Plan
The survivor benefit election you make at retirement can affect both your retirement income and your spouse’s financial security for years to come. Because these decisions can be difficult or costly to change after retirement, they deserve careful consideration. We help you understand the costs, benefits, and trade-offs involved so you can make an informed decision based on your family’s needs and goals.
Social Security Timing for Federal Retirees
When to claim Social Security is one of the most important retirement income decisions you will make. Claiming earlier provides income sooner, while delaying can increase your monthly benefit for life. We help you evaluate your options and coordinate Social Security with your FERS pension and other income sources to create a retirement income strategy designed around your specific situation.
Frequently Asked Questions for Colorado Springs Federal Employees
Do you meet in person in Colorado Springs, or only by video?
Both. Our Colorado Springs office is available by appointment for in-person planning; most Colorado Springs clients also use video for Discovery, Report review, and ongoing check-ins.
Whatever fits your calendar works here.
My spouse works at Lockheed Martin and I’m federal. Can you plan for both of us?
Yes — that pairing is common here in Colorado Springs, and it’s exactly when planning matters most.
A FERS pension, a corporate 401(k), two Social Security records, and two retirement dates need one coordinated model, not two parallel ones. We model both sides of the household together so the retirement income picture is built around real cash flows, not separate optimizations.
I’m military transitioning to a civilian federal role. Do you handle that?
Yes — it’s one of the most common situations we plan for out of Colorado Springs.
The military side of your household needs its own advisor for pension and TRICARE decisions; our side is the civilian federal system that starts the day you take the FERS position. We coordinate cleanly with the military-side advisor when there is one.
Do you plan around military pensions?
Not directly. We’re civilian federal specialists — FERS, TSP, FEHB, FEGLI.
When a household includes military retired pay, we take it as a known input and model everything else around it. For active military pension decisions themselves — SBP-mil, career-status bonus, TSP contributions in uniform — a specialist in military financial planning is the right advisor.
How does the FERS Supplement interact if I already have military retired pay?
The Supplement isn’t means-tested against military retired pay — it’s a separate benefit paid by OPM to bridge MRA-to-62 for eligible FERS retirees.
It is subject to the earnings test on wage income, though, so post-retirement contractor work can reduce or eliminate it. We quantify that trade-off before you commit either direction.
Can we do this entirely by video?
Yes. The Discovery Meeting, Report review, and ongoing check-ins all work well remotely — many of our Colorado Springs clients prefer video.
In-person is available at our Colorado Springs office by appointment, or at our Englewood office when you’re heading up I-25. Whatever fits your schedule.
Is the Federal Retirement Report really free, even if my situation is complicated?
Yes — free for every federal employee, with no obligation.
The Report doesn’t have a premium tier; everyone gets the full analysis. Whether you become a Stonebridge client after that is your decision, not a pre-conclusion.
Serving Federal Employees Across The Colorado Front Range
Stonebridge is based in the Denver metro area and works with federal employees throughout Colorado’s Front Range.
Our clients serve in a wide range of federal agencies and organizations across the state, including the Denver Federal Center, VA Eastern Colorado Health Care System, Buckley Space Force Base, the Internal Revenue Service, the United States Mint, NREL, NOAA, NIST, and many others.
We meet with clients in person at our Inverness office and virtually throughout Colorado.
Primary Service Area
Denver · Littleton · Colorado Springs · Centennial · Lakewood · Englewood · Parker · Castle Rock · Aurora · Arvada · Westminster · Broomfield · Thornton · Wheat Ridge · Golden · Lone Tree
Extended Service Area
Colorado Springs · Boulder · Fort Collins · Loveland · Greeley · Pueblo
Related Federal Retirement Resources
Free calculators for Colorado Springs federal employees:
- FERS Pension Calculator — estimate your federal annuity
- TSP Withdrawal Calculator — sustainable monthly withdrawals
- FERS Supplement Calculator — bridge income from MRA to age 62
- Retirement Income Calculator — combine your pension, TSP, and Social Security
We also serve federal employees in nearby communities:
For a broader overview of our approach, see our federal retirement planning hub or learn more about the Stonebridge team.
Get Your Federal Retirement Report
The Federal Retirement Report is designed to help you understand where you stand today and what decisions may lie ahead. Built around your service history, benefits, and retirement goals, it provides a personalized analysis of your pension, TSP, healthcare benefits, survivor elections, retirement income, and other key planning considerations.
There is no cost and no obligation. It is simply a practical way to gain clarity before making important retirement decisions.
More Colorado federal retirement guides
Start with the overview at Federal Retirement Planning in Denver, Colorado, or jump to guides for other cities and specific installations across the Front Range.