Expert's View:
The Age Penalty and Early Retirement
With early retirement opportunities popping up in the Postal Service and the usual speculation about them elsewhere, a lot of employees are confused about how the age penalty would affect them if they were to retire before reaching their normal retirement age.
When it comes to retiring early, FERS employees have a big advantage over their CSRS counterparts. . . writes benefits expert Reg Jones.
Great Grandparents
Many grandparents contribute to 529 college savings accounts, which offer tax-free buildup and tax-free withdrawals for college costs. More
The Retirement Literacy Commission
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http://www.federalretirementseminars.com/schedule.php
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The Thrift Savings Plan Open Elections Act of 2004 requires retirement financial
literacy and education.
They must also provide information and counseling on the benefits the Federal Government
provides and on how to plan for retirement.
More
Contingency Plans
A complete estate plan for your IRA might call for you to name your spouse as primary beneficiary, with your children as backup beneficiaries. More
Keeping Your Balance
Rebalancing your portfolio can boost returns, especially when the stock market is falling. More
A Plan For Estate Planning
No matter how old you are, you should have an estate plan that includes these basic steps:
1. More
Help Needed
Under the federal financial aid formula, parent-owned accounts in a 529 savings program have very little impact on student eligibility for need-based aid. More
The 65 Percent Solution
Many couples think that they are doing well if they live within their means. More