Retirement Financial Situation Takes Many by Surprise, Report Says
Many retirees are in a “precarious” financial position in part because when they “started their working careers decades ago, the …More
Retirement & Financial Planning Report
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Defer or Postpone Your Annuity?
You can retire on an immediate, unreduced annuity if you meet the age and service requirements. But if you want …More
529 Plans Not the Only Answer to College Savings
When you’re saving for your children’s college education, 529 plans offer some outstanding tax advantages. Investment buildup is tax-free and …More
Those in High-Deductible Plans Found More Attentive to Health Care
Those who are enrolled in high-deductible health insurance plans tend to be more attentive to their health care, a study …More
FEGLI Features for Special Situations
There are two features of the Federal Employees Group Life Insurance (FEGLI) program that are not well known nor understood …More
Using an Annuity for Immediate Income
An immediate annuity pays out income right away, as soon as it is purchased from the annuity issuer. Sometimes these …More
Relief from Required Distributions Proposed
Two senators who have been leaders in expanding retirement savings opportunities are proposing to ease the required distribution rules applying …More
The Flexibility Advantages of the FLTCIP Program
The period approaching retirement or in early retirement years is a common time to seriously consider taking out long term …More
Two Crucial Numbers for Retirement Planning
In retirement planning, two numbers remain crucial: First, how much will you want to spend after you retire? Second, how …More
The Complications of Capturing Credit for Military Service
If you served in the military since 1956, you can credit that time toward your annuity but there are numerous …More
Medicare Enrollees Should Have Received Replacement Cards by Now
The Centers for Medicare & Medicaid Services has said it has finished issuing new Medicare cards without Social Security numbers, …More
Helping Your Heirs Manage Inherited Money Wisely
Some people are reluctant to use trusts in their estate planning. You might think that leaving money in trust will …More
Report Shows a Way to Increase Social Security Full Benefits Eligibility Age
A recent Congressional Budget Office report describes a formula for increasing the age of “full” Social Security benefits eligibility, one …More
The Effect of Leaving without Immediate Retirement Eligibility
If you are thinking of leaving government without immediate eligibility for an annuity, you’ll have a choice of whether to …More
The Many Variables of Long-Term Care Insurance
The Federal Long Term Care Insurance Program obviously is not the only form of long-term care available. An individual can …More
As Late Boomers Start Retiring, They May Face Financial Insecurity
The latter half of the baby boom generation has now started retiring in earnest but they overall are looking less …More
Carrying FEDVIP into Retirement
You generally may keep dental and/or vision coverage under the Federal Dental and Vision Insurance Program when you retire or …More
Many Retirees Find Expenses Higher than Expected
Thirty-nine percent of retirees have found themselves spending more money than they had expected before they retired, according to a …More
How to Make a Retirement Deposit
If at one point in your career you left the government, took out your retirement contributions, and then returned, in …More
Warnings of Inadequate Retirement Income Are Accurate, Study Finds
Data used in various reports warning that many workers face an inadequate income in retirement are accurate overall, a new …More
Insurance Protections for Your Children after Your Death
While the loss of a parent is a great loss for children to bear, the federal government has made life …More
Reminder: ‘Catch-Up Contributions’ Don’t Carry to New Year
In the TSP, while standard contributions roll over from one year to the next unless you direct otherwise, “catch-up contributions” …More
Providing for a Spouse Married after Retirement
You may elect to provide a survivor annuity for a spouse you marry after retirement. Within two years of your …More
Using an Institution to Administer a Trust
When you set up a trust, it’s a common to name a friend or family member as trustee. This is …More
Link between Working Longer, Good Health Examined
Longer working careers are associated with improved health at older ages, says a study that however warns that the relationship …More
Important Information for Your Family
Here’s some important information to pass along to your family regarding your federal benefits for their use at the time …More
Using Immediate Annuities for Retirement Income
For a life-long stream of income, consider buying an immediate annuity. As the name suggests, with an immediate annuity you …More
Impact of Recession on Retirement Security Still Shows
Nearly a decade after the Great Recession officially ended it still is having an impact on retirement security, according to …More
Eligibility for Federal, Social Security Disability Retirement Differ
Under both CSRS and FERS, disability benefits are payable if you have become so disabled that you are prevented from …More
Keep Home Insurance Up to Date
A homeowner’s insurance policy should not be acquired when you buy your home and then forgotten. Here is how to …More
