Choosing Among Levels of FEHB Coverage
The three levels of FEHB are self only, which provides benefits only to the enrollee; self plus one, which provides …More
Retirement & Financial Planning Report
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Changing Your Withdrawal Strategy
After you retire, how much money can you withdraw from your portfolio? Many advisers say that a safe initial withdrawal …More
Audit Finds Errors by SSA in Applying WEP Provision
An inspector general audit has found numerous errors by the SSA in applying the “windfall elimination provision” that commonly results …More
Discontinued Service Retirement Can Ease the Pain of RIFs
The government does not conduct a lot of reductions in force—layoffs—but there’s an important potential benefit to be aware of …More
Shielding Your Assets from Possible Court Judgments
In the U.S. legal system, the slightest misstep can lead to a huge award or a sizable settlement in a …More
TSP Tweaking Spousal Rights Policies
As part of its widened withdrawal policies effective Sunday (September 15) the TSP is tweaking its policies regarding the rights …More
Making Military Service Deposits – Complex, but Possibly Worth It
One of the most complicated—and therefore least understood—aspects of federal retirement policy involves those with military service. That’s due to …More
Mistakes that Commonly Cost Investors
Most investors lag the results of the overall stock market because they make one or more of the following mistakes: …More
Guarding against Losing Matching TSP Investments
With the year two-thirds gone, this is a good time for FERS employees to make sure they won’t lose government …More
Retirement Survivor Annuities Are Valuable, but Not Free
Benefits for survivors of federal retirees are one of the most valuable of federal employment benefits—which means, naturally, that they …More
Tax-Smart Investing for a Child
For those with minor children, there are several strategies to pursue for better tax management of money for them. * …More
Couples Need to Keep Focus on Retirement Savings, Says Report
A main reason that two-earner couples get in trouble in preparing for retirement is that the “tend to undersave,” says …More
Your OPF Is Your Retirement Backbone
Making sure your records are in order is a big part of retirement preparation, and it’s never too early to …More
Selling and Leasing Back Your Own Home
One option in retirement is to sell your house to a grown son or daughter, then rent the house from …More
Defined Benefit Programs Continue to Disappear in Private Sector
Just 11 percent of private sector workers now have defined benefit retirement plans, which pay amounts based on formulas including …More
On Early Retirement Offers, Think It Through
Normally, federal employee is eligible to retire with at least 30 years of service and is at least age 55 …More
Creating a Cushion of Cash for Retirement
If you are concerned about inadequate income over a long retirement, you could consider investing in a variable annuity. * …More
Report Examines What Makes an Age-Friendly Community
With longer life expectancies and more active lifestyles in retirement, retirees deciding whether or not to move—and where to go, …More
Filling the Gaps in Medicare
For those who continue their Federal Employees Health Benefits program coverage into retirement, as most do, it is generally unnecessary …More
Naming of an Executor Is an Important Decision
When you draft your will, you should name an executor. It will be up to your executor to handle all …More