During Medicare’s Open Enrollment (Annual Election) Period, those individuals enrolled in Medicare (Medicare “beneficiaries”) can change their coverage. Changing their coverage includes switching between Original Medicare (Medicare Part A and Medicare Part B) and Medicare Advantage (MA) and changing one’s ... Read More

In this episode, Dan and Katelyn discuss how housing costs in metro areas like the DMV, San Francisco, and New York City are outpacing federal pay. They share practical strategies to bridge the housing gap, from relocation and shared housing ... Read More

The Office of Personnel Management (OPM) recently announced a surge in retirement applications this year. Over 70,000 Feds have already filed to retire in 2025, with large spikes in May, June, and August. This equates to a nearly 40% increase from 2024. ... Read More

There is great news for federal employees who rely on qualified healthcare and dependent care spending accounts such as health savings accounts (HSAs) and flexible spending accounts (FSAs) to help pay for healthcare and dependent daycare expenses. Budget reconciliation bill ... Read More

The debate over extending Trump-era tax provisions has picked up steam, and retirement savings sit right in the middle of it. While the headlines usually focus on 401(k) plans, federal employees should pay close attention. When Congress adjusts retirement rules ... Read More

In this episode, Dan discusses how federal employees can prepare for a potential government shutdown-covering back pay expectations, key benefits like FEHB, TSP, and leave, and strategies to avoid high-interest debt while staying financially resilient. Meanwhile, Katelyn examines digital assets ... Read More

In this episode, Dan and Ed break down how TSP beneficiary rules and RMD requirements affect federal employees and their families. They explain the importance of properly naming a TSP beneficiary, how spousal beneficiary participant accounts work, and the key ... Read More

Federal workers with student loans are facing a new set of rules, timelines, and tradeoffs. A recent law allows student loan payments to trigger retirement contributions, and a new repayment assistance program is expected to offer an alternative route to ... Read More

One of the provisions passed into law as part of SECURE Act 2.0 (December 2022)  requires that “catch-up” contributions made by higher-paid employees must go into a Roth account. This provision affects qualified retirement plans such as 401(k), 403(b) and ... Read More

With less than three months remaining in 2025, now is the time for federal employees and retirees to get busy and perform some year-end retirement planning. The recently passed One Big Beautiful Bill Act (OBBBA) tax legislation and some provisions ... Read More