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The Federal Employees' Retirement System (FERS) is the retirement system for employees within the United States civil service. FERS became effective January 1, 1987, to replace the Civil Service Retirement System (CSRS) and to conform federal retirement plans in line with those in the private sector. FERS consists of three major components:
A rule protecting financial advisory clients was signed into law, and encouraging findings from a major retirement confidence survey show that the lion's share of retirees are, well, happy.