Planning for retirement under FERS involves selecting the best dates to retire in 2025 for optimal financial outcomes. Dates like January 11, May 31, October 31, and December 31 provide federal employees with full monthly pay, along with the ability to utilize accrued leave before it expires on November 29. Pairing these dates with a well-structured strategy for Social Security and TSP distributions ensures a smooth transition and sustained financial security throughout retirement.