How to Understand Federal Pension and Social Security for Federal Employees
Key Takeaways
Federal employees need to understand how FERS and Social Security interact for retirement planning.
Eligibility, timing, and government provisions like GPO and WEP can significantly affect retirement inco…
Maximizing TSP Contributions: 7 Key Facts for Federal Retirement in 2026
Key Takeaways
TSP rules for 2026 provide specific limits and options for federal employees planning retirement.
Understanding contribution, withdrawal, and tax rules can help keep your retirement strategy aligned with …
Federal Pension Changes in 2026: Key Trends Impacting Retired Employees
Key Takeaways
Stay updated on 2026 changes to federal retirement systems, including COLA, healthcare, and distribution rules.
Understanding official guidelines helps you adapt to new federal retirement provisions with …
TSP Catch Up Contributions: Pros and Cons for Federal Employees in 2026
Key Takeaways:
TSP catch-up contributions offer federal employees age 50 and older the option to boost retirement savings within IRS annual limits.
Evaluating the advantages and potential drawbacks of catch-up contributions helps federal employe…
Medicare Coordination Mistakes Federal Retirees Make and How FEHB Rules Apply
Key Takeaways:
Misunderstanding the coordination between FEHB and Medicare can lead to coverage gaps and higher out-of-pocket costs for federal retirees.
Reviewing official plan documents and understanding enrollment timelines are essential to m…
TSP Early Withdrawal Penalties: Rules, Exceptions, and Tax Implications
Key Takeaways:
Withdrawing from your TSP account before age 59½ typically triggers a 10% early withdrawal penalty and ordinary income taxes, though specific exceptions may apply.
Early withdrawals can reduce your long-term retirement savings, m…
Retirement Checklist After Separation: Best Practices for Federal Employees
Key Takeaways:
Federal employees should follow a systematic retirement checklist after separation, paying close attention to eligibility and documentation requirements.
Understanding how separation impacts annuity, health, and insurance benefits…
Treasury Bonds in Federal Retirement: Case Study on Rules and Considerations
Key Takeaways:
Treasury bonds in the TSP are primarily accessible through the G Fund, which is structured to meet strict federal requirements for safety and liquidity.
Federal retirees must consider TSP rules, tax implications, and regulatory ch…
Choosing Retirement Separation Date vs End of Month: Federal Retirement Considerations
Key Takeaways:
The timing of federal retirement—separation date versus end of month—can significantly affect annuity commencement, leave payout, and benefits continuity.
Decisions should be based on official rules, eligibility, and personal …
Survivor Benefits for Widowers: Federal Employee Annuity Rules and Eligibility
Key Takeaways:
Federal survivor benefits for widowers require meeting specific eligibility criteria and careful documentation.
Benefit elections, errors, and changes are regulated by strict federal rules—review these thoroughly to avoid compli…
