Welcome to the retirement services section, AFSA’s one-stop shop of information curated for those from all Foreign Service agencies who are about to retire and also for those who already have taken the leap. Below you will find a full range of retirement-related information from pre-retirement checklists, to articles, videos, and links detailing retirement benefits as well as work post-Foreign Service.
Retirement Benefits FAQs
Getting Ready for Retirement
- AFSA PowerPoint: Benefits at Retirement, Resignation, and Separation by AFSA Retiree Vice President John Naland, February 2025
- AFSA PowerPoint: Deferred Resignation Program: Specific Considerations, February 2025
- AFSA Video: AFSA Retiree Vice President John Naland discusses "Retirement Planning for Employees at or near Retirement Eligibility," December 2024
- AFSA PowerPoint: Late Career Retirement Planning by AFSA Retiree Vice President John Naland, December 2024
- FSJ article: "Twelve Retirement Pitfalls to Avoid" by AFSA Retiree Vice President John Naland, April 2021
- AFSA Video: Certified Financial Planner Dwayne A Jackson, Principal of RPJ Advisors, Falls Church, discusses "Planning for Your Life and Lifestyle," June 2021
- AFSA Video: AFSA Retiree Vice President John Naland discusses "Early and Mid-Career Retirement Planning," September 2024
- AFSA Video: Certified Financial Planner and Retirement Management Counselor William Carrington of Carrington Financial Planning, LLC, discusses "Pathways to Financial Independence: Financial Planning for the Foreign Affairs Community," June 2023
- FSJ article: Retirement Planning 101 by AFSA Retiree Vice President John Naland, April 2020
- AFSA Tool: Retirement Planning: One Year Out Checklist, December 2024
- AFSA PowerPoint: Early and Mid-Career Retirement Planning by AFSA Retiree Vice President John Naland, September 2024
- AFSA Tool: Retirement Planning: Five Years Out Checklist, December 2024
- AFSA Tool: Retirement Planning: Mid-Career Checklist, September 2024
- FSJ article: Retirement Planning: A Mid-Career Checklist by AFSA Retiree Vice President John Naland, September 2022
- Overview of Transportation for Retiring Employees, 2023
- Department of State ALDAC: Demystifying the Office of Retirement (GTM/RET) (22 State 15644)
- Department of State ALDAC: Ensuring the Accuracy of Your Personnel Data: Using the Checklist for Reviewing the Electronic Official Personnel File (eOPF) (21 State 58670)
- Department of State ALDAC: Let's Talk: Time in Class (TIC) and Time in Service (TIS) for Foreign Service Generalists and Specialists - Plus FAQs (21 State 58552)
- Department of State ALDAC: Retirement Planning One Year Out (21 State 39640)
- Department of State ALDAC: The Retirement Process: Important Reminder for Foreign Service and Civil Service Employees to Review Their Designation of Beneficiary Forms (21 State 28978)
- Department of State ALDAC: The Retirement Process: Career Achievement Awards (21 State 125448)
- Department of State ALDAC: Retirement Credit for Prior Federal and Military Service (23 State 49096)
- Department of State ALDAC: Divorce and Foreign Service Retirement Benefits (19 State 53266)
- Department of State ALDAC: Mandatory Retirement for Age (19 State 37982)
- Department of State ALDAC: Retirement Planning 5 Years Out (15 State 35130)
- Department of State ALDAC: Retirement Planning Shortfalls (13 State 54796)
- Department of State GTM/CDA Fact Sheet: "Paneling Your Foreign Service Retirement" for State Department Employees, December 2023
- GTM/RET's guide entitled "Retirement Out-Processing Checklist for State Department Employees," February 2023
- FSJ article by AFSA Retirement Benefits Counselor Dolores Marie Brown: “10 Things I Wish I Had Known: Confessions of a Recent Retiree”, October 2018
USAID-provided Retirement, Benefits, and Separation Resources
Now That You're Retired: The Benefits of Your AFSA Membership
General Information on Retirement Issues
- AFSA Video: "Investment Primer: Managing Your Retirement Portfolio for Income, Growth, and Safety with William Carrington," March 2024
- AFSA Tool: Retirement Planning: Checklist for Current Retirees, November 2023
- AFSA ZOOM event: Noted Federal Benefits expert Edward A. Zurndorfer discusses “How the SECURE Act and the CARES Act are Affecting the TSP, Qualified Retirement Plans, and IRAs,” June 2020
- Department of State Office of Retirement (GTM/RET): The 2024 Foreign Service Annual Annuitant Newsletter, November 2023
- AFSA Communication: Retiree Identification Cards, November 2023
- FSJ Article: "Reviewing Your Retirement Plan: 12 Things to Do" by AFSA Retiree Vice President John Naland, April 2023
- AFSA Video: AFSA Retiree Vice President John Naland discusses “Reviewing Your Retirement Plan,” December 2023
- AFSA Communication: Reviewing Your Retirement Plan, December 2024
- AFSA Communication: Who Does What? Foreign Service Retirement Services, December 2024
- GTM/RET's guide to "Using the HR Service Center, A Guide for Foreign Service Annuitants," May 2021
- Link: Department of State Office of Retirement (HR/RET): The Retirement Network of the Department of State: Rnet.state.gov
Communications from the Department of State’s Bureau of the Comptroller and Global Financial Services (CGFS)
Directory of Retired Members
Financial Planners, Tax Help, and Estate Planners
Next Stage: What's Next for You Post-Foreign Service?
- AFSA Video: Presentation: “Volunteerism: How Can the Foreign Service Best Contribute?” February 28, 2023
- AFSA Video: Presentation: “Building a Digital Brand in Foreign Affairs and Beyond,” September 29, 2022
- AFSA Video: Panel: “Next Stage - Career Management and Transition Post-Foreign Service with Jim Zaniello, President and Founder of Vetted Solutions, an Executive Search firm,” March 11, 2020
- AFSA Video: Panel: “Next Stage - Post-FS Careers for DS Personnel,” October 18, 2019
- AFSA Video: Panel: “Next Stage - Taking Up the Pen: Foreign Service Authors on How to Publish,” May 22, 2019
- AFSA Video: Panel: “Next Stage - Teaching International Affairs and the Art of Diplomacy,” March 26, 2019
- FSJ article, AFSA News: Stay Tuned for "Next Stage" Programming, March 2019
- FSJ article, Retiree Corner: Teaching International Affairs and the Art of Diplomacy: A Viable "Next Stage" for You?, May 2019
- FSJ article, AFSA News: Next Stage: Foreign Service Writers and Publishers Offer Advice, July/August 2019
- FSJ article, AFSA News: Next Stage: How Your Foreign Service Background Adds Value in the Private Sector, September 2019
- FSJ article: Teaching Diplomacy Today by Jillian Burns and Mark C. Storella, January/February 2020
- AFSA page: Sharing Wisdom (And Curricula!) About Teaching Diplomacy, International Affairs and Other Associated Topics
Post Foreign Service Employment Information
Annuities
Social Security
The Federal Employees Health Benefits Program (FEHB)
Medicare
Long Term Care and Life Insurance
Thrift Savings Plan
Taxes
What Surviving Spouses and Children Need to Know
Re-Employed Annuitant (REA) Program (formerly WAE)
- AFSA Video: Panel: “So, You Want to be an REA? Do’s and Don’ts from Those in the Know,” October 24, 2023
- Department of State Global Talent Management/Talent Services/Employment Programs PowerPoint: “So, You Want to be an REA?,” October 2023
- Department of State HR Shared Services Communication: Re-employed Annuitant (REA) Program, September 2022
- Department of State HR Shared Services Communication: REA Bureau Coordinators, January 2025
- Department of State Bureau of Global Talent Management/Talent Services/Employment Programs Communication: So, You Want to Be an REA?, March 2023
- FSJ article: "An Insider's Guide to the Re-Employed Annuitant Program," by AFSA Vice President for Retirees John Naland, May 2022
Useful Links and Websites
From the State Department
Retirement Services Division Mission and Work
Our mission is to offer guidance to both active duty and retiree members on a full range of benefit and work issues germane to life post-Foreign Service;
We strive to support our experienced and gifted retirees in making the most of their lives post-FS including helping to spread the word to the American people concerning the critical work of the Foreign Service;
We produce the bi-monthly AFSA Retirement Newsletter, which provides information on retirement benefits issues and activities and programs geared towards those approaching retirement and in retirement;
We work with local retiree associations across the country and are the institutional home of the Speakers Bureau. By joining the Speakers Bureau you can share your expertise and highlight the importance of diplomacy in your local community;
We also organize an on-going speaker series on federal benefits and produce the “Next Stage” series, which highlights career options and activities post-Foreign Service;
AFSA members with questions or problems with their retirement benefits - or for any other retirement-related issue - may contact AFSA's Counselor for Retirees Dolores Brown at brown@afsa.org for one-on-one assistance
Finally, we produce AFSA’s Retiree Directory, which connects friends and colleagues and contains a resource section, which is a kind of “All You Need to Know” for retirees.
Contact Us!
The AFSA Governing Board has three elected members who represent the retiree constituency. The Vice President for retirees is John K. Naland; you may get in touch with John here. John writes a regular column for the AFSA News section of The Foreign Service Journal. Ably assisting John as retiree representatives on the 2023-2025 Governing Board are Mary Daly and Edward Stafford.
Get Involved!
We encourage you to stay connected to AFSA in retirement, whether you live in the Washington, D.C. area, anywhere in the U.S. or even abroad. AFSA offers many events here at our headquarters building; even if you can't attend in person we record all events and make them available for viewing on our website. We also hope you will consider offering your expertise as a speaker on issues related to foreign affairs and the Foreign Service. You can sign up for AFSA's speakers bureau, or volunteer to speak at an AFSA Road Scholar program. We also encourage you to get involved with your local foreign affairs or Foreign Service retiree association. There are so many ways to stay involved in the career that shaped your life.
Not Yet an AFSA Member?
No worries. If you recently (or not so recently) retired and did not fill out a form to change from active-duty to retiree membership, you can download the necessary forms by clicking here. If you choose not to apply online, please mail the completed membership and automatic annuity deduction forms to AFSA at 2101 E Street, NW, Washington, DC 20037, or fax them to (202) 338-6820. We look forward to welcoming you as a member.
Honoring Your Service
AFSA is pleased to offer two new ways to remember and commemorate the lifelong Foreign Service career of our members, their spouses or partners. Our Foreign Service Medallion is a beautiful keepsake that can be used for multiple occasions, including being affixed to grave markers. The Foreign Service Commemorative Coin is similar to those long used by the many branches of the military; the silver-finish, 1.75” diameter coin has the Great Seal on the obverse and the AFSA logo and slogan on the reverse. Both are available for purchase through the AFSA website.