Annuities Present Withdrawal Decisions
Variable annuities increasingly offer guaranteed minimum income benefits. Such benefits provide variable annuity investors a guaranteed return if they: * …More
Retirement & Financial Planning Report
Sign up Now! Free eNewslettersFLTCIP Premium Hike Causing Concern
There seems to be widespread concern—and more than a little resentment–in the federal workforce regarding the premium increases set to …More
Adapting Your Home for Retirement
Consider these improvements to make your house more livable for yourself as you grow older. * Install kitchen appliances at …More
Many Retirement Investors File It and Forget It
Relatively few people who have retirement savings plans such as the TSP and 401(k)s actively manage them, says a survey …More
Carrying Insurance into Retirement
As a rule, you can only continue your FEHB and/or FEGLI coverage into retirement if you are 1) currently enrolled, …More
The Tax Advantages of Trusts
While you’re alive, you can create two types of trusts: * Revocable trusts. Such trusts can be cancelled or altered …More
Making Catch-Up Investments a Financial Stretch for Many
The availability of “catch-up” investing in savings plans such as the TSP is a potentially valuable boost to retirement security …More
Understanding the Spouse Equity Act
Under the Spouse Equity Act. a court order can divide your retirement annuity, block or divide a refund of your …More
Coming Up with the Right Title
The way in which you hold your assets can affect your financial and estate planning. * Sole ownership. Holding assets …More
GAO Sees Contrasts in Access to Retirement Savings
Only about half of private sector workers have access to an employer-sponsored retirement savings plan comparable to the TSP, GAO …More
The Disability Retirement or FECA Choice
One of the least understood choices faced by employees who are disabled or injured in the line of duty is …More
Having a Will is Not Enough
One reason for having a will is to make sure your wishes are carried out. If you die “intestate” (without …More
Report Cites Patterns in Retirement Preparedness
A look at the state of retirement preparedness over five years shows that well publicized trends have continued and that …More
Tapping Your TSP Before Retiring
You may gain access to your money during your working career through loans and in-service withdrawals. If you have both …More
Doing a Personal Life Insurance Review
As your personal situation changes through the years, so do your life insurance needs. You should review your life insurance …More
Cash Mainly Flows Downhill among Generations
Intra-family transfers of cash generally show that the money flows from the older generation to the younger, with relatively little …More
Getting Full Credit for Service
Your eligibility to retire depends on your having the right combination of age and service. While you will usually know …More
Arranging Investments to Keep Income Coming
Immediate annuities (also known as payout or income annuities) require you to pay to an insurance company. The insurer will …More
Looking at a House as an Asset
A house is not only a home, it is the major financial asset for many in retirement—and it is also …More
Using OPM’s Services Online
For years retirees and survivors have been advised to call OPM if they have a question or a problem. While …More
