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2. How to Calculate Your High-3 for Federal Retirement - AOL

   www.aol.com/calculate-high-3-federal-retirement...

   Here are four situations that may reduce your federal retirement non-disability benefits: Age. Benefits may be reduced if you retire before the age of 62.

3. How Much Money You Need for Every Year Past Age 75 - AOL

   www.aol.com/much-money-every-past-age-120049612.html

   The Employee Benefit Research Institute estimates that spending falls by 5.5% in the first two years of retirement, then 12.5% in Year 3 or 4 before slowing down.

4. How Much Do I Need To Retire? Retirement Calculator and Tips

   www.aol.com/much-retire-retirement-calculator...

   From this data, they found that the cost of living in only 16 states requires a minimum retirement income of $1 million for a 25-year retirement. However, American workers might disagree.

5. Defined benefit pension plan - Wikipedia

   en.wikipedia.org/wiki/Defined_benefit_pension_plan

   A traditional form of a defined benefit plan is the final salary plan, under which the pension paid is equal to the number of years worked, multiplied by the member's salary at retirement, multiplied by a factor known as the accrual rate. [9] The final accrued amount is available as a monthly pension or a lump sum.

6. Retirement planning - Wikipedia

   en.wikipedia.org/wiki/Retirement_planning

   Retirement planning, in a financial context, refers to the allocation of savings or revenue for retirement. The goal of retirement planning is to achieve financial independence. The process of retirement planning aims to: [1] Assess readiness-to-retire given a desired retirement age and lifestyle, i.e., whether one has enough money to retire

7. General Schedule (US civil service pay scale) - Wikipedia

   en.wikipedia.org/wiki/General_Schedule_(US_civil...

   The locality pay adjustment is counted as part of the "high-3" salary in calculating Federal Employees Retirement System (FERS) and Civil Service Retirement System (CSRS) annuities, as well as the baseline for individuals having a percentage of salary deducted for deposit into the Thrift Savings Plan.