Q. I’m working in the D.C. area and am a GS-15 with 38 years of service. I’m considering a GS-13 position in Florida (retirement state) for the last 4 years (to age 60). I know that my high-3 will be based on my past three years as a 15, but if I do the Florida GS-13 job, would I retire as high-3 of GS-15 at 42 years? The extra four years is a lot if the GS-13 position doesn’t get in that way.

A. Your Hi-3 is based on the highest consecutive 36 months in your pay history.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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