Making Your Desires Known in Advance
At any age, illness or injury may cause a catastrophic medical condition and the loss of a patient’s ability to …More
At any age, illness or injury may cause a catastrophic medical condition and the loss of a patient’s ability to …More
The OPM has posted a “Retirement Quick Guide” to a process that many federal employees who have gone through the …More
There are some steps in retirement planning that you should not leave until late in the process: Review Your Designation …More
One often overlooked part of estate planning is making plans for what will happen if you become incapable of making …More
The last few months, I have been hearing from many of my federal friends and clients that they are retiring …More
A recent Merit Systems Protection Board study found that management officials—and even the HR office—are the most common sources of …More
Although retirees generally cannot add to their FEGLI life insurance—they can only decrease or cancel it, as a rule—there is …More
Many types of assets ask you to name a beneficiary. They include IRAs, life insurance policies, annuities, payable on death …More
A bill (HR-82), to repeal the windfall elimination provision and the government pension offset, which apply under the CSRS system …More
If you separate from federal employment and are not eligible for a retirement annuity at that time, you may apply …More
For steady retirement income, consider a laddered bond portfolio. Such a ladder would contain individual bonds that mature at specific …More
Members of both parties have recently put renewed attention on the issue of delays in processing federal retirement applications, citing …More
Applying for federal disability retirement is for many people a daunting task that might discourage eligible persons. There are several …More
If you think are concerned your reduced income during retirement will not go far enough to cover your expenses, make …More
For many, United States Savings Bonds have been a part of our lives. We have purchased and or received them …More
A federal appeals court has rejected a challenge to a 2016 change in how the “special retirement supplement”—also called simply …More
Although a non-spouse (companion, significant other, life partner, etc.) is not entitled to a survivor benefit, there is a little-known …More
Any trust created while the grantor is alive is a “living trust” but the term is often used to describe …More
It turns out getting a notice from OPM asking you to prove you are still alive can be a little …More
Employees should review their official personnel folders—whether that’s in electronic format or still on paper—on a regular basis as a …More
Joint ownership is the simplest and least expensive form of incapacity protection. Your elderly uncle who is becoming forgetful, for …More
Health insurance enrollees on average spend less than an hour during annual open seasons exploring their options, a study has …More
One complication regarding benefits for children through a parent’s federal employment is that eligibility for those benefits varies from one …More
A power of attorney can be a vital part of a financial plan. If you lose the ability to manage …More
The GAO has previewed an upcoming report on the TSP’s transition last summer to a new operating system and the …More
You may elect to provide a survivor annuity for a spouse you marry after retirement. Within two years of your …More
Many people buy a second property in retirement, often for family gatherings or simply as another place to go. Trouble …More
The increase in the Social Security “full retirement age,” or FRA, has lowered the percentage of people who begin drawing …More
Generally, federal retirees can only decrease, terminate or convert to a private policy their Federal Employees Group Life Insurance—that is, …More
Many federal employees carry professional liability insurance coverage, which can help shield them against legal costs related to suits brought …More
TSP | L Income | L 2020 | L 2030 | L 2040 | L 2050 | G Fund | F Fund | C Fund | S Fund | I Fund |
---|---|---|---|---|---|---|---|---|---|---|
Feb | 1.29% | % | 2.74% | 3.2% | 3.62% | 0.33% | -1.41% | 5.34% | 6.03% | 2.74% |
YTD | 1.66% | % | 3.15% | 3.62% | 4.04% | 0.67% | -1.6% | 7.1% | 3.48% | 2.51% |
10yr | 4.1% | % | 6.98% | 7.73% | 8.34% | 2.35% | 1.63% | 12.69% | 8.64% | 4.75% |