Retirement & Financial Planning Report

Several special considerations apply regarding enrollments in the FLTCIP long-term care insurance program that might drive a decision regarding whether …More

OPM’s latest government-wide federal employee confirms what many federal personnel experts have been saying anecdotally, that large numbers of employees …More

At retirement a federal employee is required by law to elect a full survivor annuity unless the spouse agrees in …More

If you have young children or grandchildren, you have several options for saving on their behalf. One option is to …More

Newly offered legislation in the House has again stirred consideration of allowing persons other than federal employees and retirees and …More

The government operates two distinct programs that may benefit federal employees who become disabled, the disability retirement program operated by …More

If you own investment real estate, you have a triple chance to make a profit: 1. You can collect monthly …More

Many of the trends in the FEHB program are also being reflected in other employer-sponsored health insurance, putting the government-sponsored …More

A discontinued service retirement is one in which you are forced to retire, usually in the face of a specific …More

If you purchase an immediate annuity (also known as a payout annuity or an income annuity), you buy a pension …More

Public sector workers stay in their jobs longer than private sector workers, a possible indication of the value of the …More

To determine whether or not you should use trusts, you need to understand what they are. A trust is a …More

Indebtedness is a more serious problem for approaching retirement today than those in the past, according to information provided at …More

To carry your insurance coverage(s) into retirement you must have been enrolled in FEGLI for the five years before your …More

Many of those in their pre-retirement years still show a lack of understanding of some key retirement considerations, according to …More

Although a non-spouse (companion, significant other, life partner, etc.) is not entitled to a survivor benefit, there is a little-known …More

If you have a cash value life insurance policy, you can borrow against it. This might be a source of …More

Grandparents are "giving abundantly" to financially support their grandchildren, "sometimes to the detriment of their own current and future financial …More

Grandparents are "giving abundantly" to financially support their grandchildren, "sometimes to the detriment of their own current and future financial …More

More than 7million Americans over the age of 65 – one out of every five– already have been victimized by …More

Have you ever gotten into an argument with you health benefit plan over whether a medical procedure or service should …More

When purchasing life insurance, applicants generally are put into one of these broad categories: * Preferred risk. This includes people …More

The country’s changing demographics, in particular the decline in households with married couples, has implications for both retirement and insurance, …More

There are two features of the Federal Employees Group Life Insurance (FEGLI) program about which you are probably unaware. First, …More

The way in which you hold your assets can affect your financial and estate planning. * Sole ownership. Holding assets …More

While numerous studies in recent times have warned about lack of financial readiness for retirement by those approaching it, a …More

Many CSRS-covered employees have reached or are about to reach a point in their careers when their basic annuities are …More

To finding the right financial advisor, you must match your goals with the planner. Suppose you are primarily interested in …More

The number of private sector employers offering health insurance to their workers remained about stable in 2013 while the premium …More

If you are a CSRS or CSRS-Offset employee who doesn’t owe any deposits or redeposits to the retirement system, you …More