By Reg Jones
Q. I am 62 and have been employed by civil service for 2½ years. If I stay 2½ more years and retire with five years (the last 3½ as a GS-9), what can I expect from the retirement system?
A. You can estimate what your annuity would be by using the following formula: .01 x your high-3 x your years of service. In other words, your annuity would equal 5 percent of the average of you highest three consecutive years of basic pay.