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Feds And Annuities Why The Annuity Key Doesnt Fit Every Lock

Feds and Annuities: Why the Annuity Key Doesn’t Fit Every Lock

There’s no shortage of annuity salespeople trying to convince you that a private annuity can...

How Irmaa Is Calculated

How IRMAA Is Calculated: The Two-Year Lookback, Income Triggers, and Planning Strategies for Federal Retirees

For many federal retirees, the Income-Related Monthly Adjustment Amount (IRMAA) comes as an unexpected layer...

The Best States for Federal Retirees in 2025: Tax-Friendly and TSP-Savvy

As retirement gets closer, many of our Feds start thinking about where they want to...

COLA Watch: What the 2026 Estimate Could Mean for CSRS and FERS Retirees

The Cost-of-Living Adjustment (COLA) is a yearly increase to federal retirement benefits, designed to keep up with inflation....

Beyond Traditional Retirement: Smart Strategies for Couples with Age Differences

When there’s an age gap between spouses, retirement planning often gets more complex. Different timelines...

Qualified Charitable Distributions (QCDs) Continue to Be Popular Among IRA Owners

Qualified Charitable Distributions (QCDs) first became available in 2006 to individuals aged 70.5 and older....

Federal Employee Professional Development: Invest in Your Career and Retirement

Career growth in government service isn’t just about getting promoted. It’s about creating more security,...

Federal Retirement Planning for Single Employees: Unique Considerations

Planning for retirement always requires a thoughtful strategy, but for single federal employees, the stakes...

FERS Retirees Receiving the Special Retirement Supplement Annuity Must Report 2024 Earnings

Social Security is one of the three components of the FERS retirement. When a FERS...

Will New Legislation Cut Your Federal Retirement Benefits? Here’s What to Know

Federal employees are no strangers to policy shifts, but new legislation has sparked serious concern...

Mandatory Roth TSP “Catch-Up” Contributions Take Effect January 1, 2026

On January 10, 2025, the IRS issued proposed regulations that facilitate the implementation and operations...

Early-Career Federal Retirement Planning for Women: The Importance of Starting Now

If you’re a woman who just began a career with the federal government, you likely...

2025 COLA Increase

The time has come, people. 2025 COLA announcements are here! If you’re a regular reader...

What Federal Employees Need to Know About Retirement and Divorce

Divorce brings a range of financial uncertainties, particularly for federal employees faced with the complications...

How to Optimize Your Thrift Savings Plan (TSP) in a Volatile Market

Most of the Feds we talk with at Serving Those Who Serve consider their Thrift Savings...

Federal Employee Retirement and the “62 Factor”

The Federal Employees Retirement System (FERS) provides a stable pension for federal workers, offering a strong...

Federal Pay Freezes and Retirement Planning: The Importance of Preparation

Federal government employment can offer multiple benefits, including health insurance, competitive base pay, flexible leave...

Survivor Benefits: What Your Spouse Needs to Know About Your Federal Retirement Plan

Your federal employee survivor benefits provide financial support to your loved ones after your death. These are...

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