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TRANSTAR STATE & FEDERAL

EMPLOYEE RETIREMENT
SERVICES

WELCOME TO TSSFERS,

Our Never a Fee Service Focuses On Financial Awareness.

Whether you are transitioning into retirement or years away from retiring;
State and Federal employees are better prepared by understanding the hurdles in retirement.

Understanding your Pension and supplemental retirement plans can be can be confusing and overwhelming.

Reviewing your Pension annually, and specific areas of financial planning, including saving money leading up to retirement, planning income and expenses in retirement, protecting the retirement plans in motion, adjusting to maximize income you’ve set in motion are all ways to protect the retirement lifestyle you’ve built..

THINK

About Tomorrow Today

  • Save for your Future
  • Plan for your Future
  • Protect your Future

All Advisors are State licensed and appointed/approved to transact with approved vendors in your School District, Municipalities, all Federal and State Employee Classifications.

Prior to COVID 19 Crisis many Advisors may have been seen on campus meeting with Teachers, Professors, Staff or has the in past held employee workshops for Municipality, Firefighters, Law Enforcement .and other classified employees.

All Advisors have foregone Federal CSRS and FERS Pensions Training earning the FRC Federal Retirement Consultants Designation.

Help federal employees accurately identify potential gaps in their retirement income and provide informed recommendations.
Guide federal employees in developing strategies for a financially-secure retirement based on their personal situation and goals.

RETIREMENT-TAXES

Investing Terms 101

Baby boom generation age into retirement — approximately 10,000 Americans turn 65 every day — more and more are relying on pension benefits for their main source of income.

Millions of aging teachers, firefighters, sanitation workers, and other state and local government employees depend on the income owed to them through defined benefit pension plans. Such plans require employees to contribute a portion of their salaries to a pool of funds that is invested on their behalf and is paid out to them in retirement.

Poor management of the pension funds at the state and local levels, however, has put those benefits at risk for many future retirees. According to nongovernmental organization The Pew Charitable Trusts, pension systems currently have, on average, less than 70% of the assets they need to be able to pay out benefits owed to current or retired public employees. In some states, the gap is significantly smaller, while in others the pension funding gap is far worse.

U.S

States Pension

Welcome to your States Pension Portal. Please register with your States Pension Provider if you have not already done so. Save user name and password so you can refer back to your pension portal keeping current with your States updates.

“Be sure to download a current pension statement and social security statement for your records “ you will also need this information should you request an annual retirement review.

Social Security Administration: Register for Current Statement

ALABAMA

STATE PENSION(S)

Register Login
TRS-ERS-PEEHIP-JRF Pension
http://www.rsa-al.gov/
Supplemental Deferred Comp
https://www.rsa-al.gov/trs

ARKANSAS

STATE PENSION(S)

Register Login
APRS Pension
https://www.apers.org/
ASPRS State Policey
https://www.apers.org/asprs
AJRS Judicial
https://www.apers.org/ajrs

ALASKA

STATE PENSION(S)

CALIFORNIA

STATE PENSION(S)

FEDERAL

PENSIONS

FERS Information

Congress created the Federal Employees Retirement System (FERS) in 1986, and it became effective on January 1, 1987. Since that time, new Federal civilian employees who have retirement coverage are covered by FERS.

CSRS Information

The Civil Service Retirement Act, which became effective on August 1, 1920, established a retirement system for certain Federal employees. It was replaced by the Federal Employees Retirement System (FERS) for Federal employees who first entered covered service on and after January 1, 1987.