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Contemplating worst-case scenarios may not be pleasant, but it is an essential step when planning for retirement. Before entering this significant phase of life, it is...
When strategizing for federal retirement, it’s crucial to acknowledge that it extends beyond mere financial preparation. Preparing for the emotional and psychological ramifications of concluding your...
Amidst the meticulous planning for retirement, one critical factor often overlooked is the escalating expenses associated with healthcare. Termed as healthcare inflation, it poses a significant...
Ensuring financial security for your surviving spouse post-retirement is a vital aspect of FERS retirement planning. Here’s a comprehensive overview to assist you in understanding and...
When strategizing your FERS retirement, grasping the implications of the Social Security Maximum Taxable Earnings Cap is paramount, both during your career and post-retirement. A Primer...
Entering retirement as a federal employee often brings surprises regarding the deductions from your monthly FERS annuity (pension). To ensure your retirement income meets your needs,...
Many federal employees find the prospect of a Thrift Savings Plan (TSP) loan appealing for various reasons, particularly given the current trend of rising interest rates....
A survey conducted by the Federal Retirement Thrift Investment Board (FRTIB) unveiled intriguing perspectives among participants in the Thrift Savings Plan (TSP) within the Federal Employees...
In its 2023 annual report, Social Security revealed that without governmental intervention, the program’s surplus will be depleted by 2035. While some interpreted this as Social...
Recent economic forecasts suggest a decline in inflation from 3.2% in 2023 to 2.4% in 2024, according to Forbes.com. While the Federal Reserve is lauded for...
The Thrift Savings Plan (TSP) continues to evolve, delivering strong growth for participants and introducing new features to enhance retirement...
In late 2022, the Federal Long-Term Care Insurance Program (FLTCIP) stopped accepting new enrollment applications and announced the suspension would...
Each year, the IRS adjusts tax brackets to keep up with inflation. For 2025, these adjustments reflect a more moderate...
If you’ve researched federal retirement taxes, you likely know that most of your FERS pension (up to 90%) is taxable,...
If you haven’t taken the time to create a retirement plan, you may be in danger of outliving your nest...
Under FERS, federal employees have many unique retirement options, so it’s important to know the facts to determine which best...
The Postal Service Reform Act, which was signed into law on April 6, 2022, mandated that OPM set up a...
The 4% rule is a common guideline in retirement planning, suggesting that retirees can withdraw 4% of their retirement savings...
With several retirement options available under FERS, it’s essential to understand the details to choose the best one for you....
Planning your retirement as a federal employee comes with its own unique considerations. Unfortunately, many resources are focused on private-sector...