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Rifs In 2026

RIFs in 2026: Your Rights, Appeals, and Smart Next Steps

03/17/2026
Federal agencies keep getting reorganized. The civil service rules that govern your job? They shift...
After Obbba

After OBBBA: Do Today’s Tax Rates Change Your Retirement Plan?

03/17/2026
The One Big Beautiful Bill Act (OBBBA) extended several individual provisions of the Tax Cuts and Jobs...
Tsp Hardship Withdrawal

TSP Hardship Withdrawal: Minimizing the Hit to Your Retirement Savings

03/15/2026
The Thrift Savings Plan (TSP) is part of the federal retirement three-legged stool. The TSP is...
Retirement Pay Delayed

Retirement Pay Delayed? Steps to Escalate and Stay Solvent

03/11/2026
Retirement volumes are climbing, and processing backlogs leave some federal retirees waiting weeks – sometimes...
What Obbba Means For Your 2025 Taxes

What OBBBA means for your 2025 taxes

03/10/2026
In July 2025, President Trump signed into law Public Law 119-21, commonly known as the...
When The G Fund Shines

When the G Fund Shines — and When It Holds You Back

03/08/2026
  The Thrift Savings Plan (TSP) G Fund operates differently from anything else in the lineup. It...
Salt Deduction Changes

SALT Deduction Changes: How the $40,000 Cap Impacts High-Income Feds

03/05/2026
The Tax Cuts and Jobs Act of 2017 (TCJA) made two changes to the state...
Opening An Hsa Before Retirement

Opening an HSA Before Retirement: Positive Tax Play or Potential Pitfall?

03/03/2026
Health Savings Accounts (HSAs) came into existence in December 2003 as part of the Medicare...
2026,01,28 From Target To Tactics Making Your Retirement Number Real

From Target to Tactics: Making Your Retirement Number Real

02/22/2026
Most retirement plans start with understanding your “number” – the amount you’ll need to save...
2026,01,28 Delay Or Don't Social Security Choices For Federal Workers

Delay or Don’t: Social Security Choices for Federal Workers

02/17/2026
You’ve spent decades in federal service. Now you’re 67, and Social Security is sitting there...
Individuals Have Until April 15 2026 To Recharacterize 2025 Roth Ira Contributions

Individuals Have Until April 15,2026 to Recharacterize 2025 Roth IRA Contributions

02/17/2026
Through the years, individuals have contributed to the different types of Individual Retirement Arrangements (IRAs)....
2026,01,28 2026 Social Security Update Plan Smarter, Avoid Surprises

2026 Social Security Update: Plan Smarter, Avoid Surprises

02/15/2026
The Social Security changes in 2026 aren’t making big news, but they’ll hit your retirement...
Understanding The Five Year Rule

Understanding the “Five-Year Rule” with Respect to Roth TSP In-Plan Conversions

02/11/2026
A recent STWS column, TSP Announces Start of Roth TSP In-Plan Conversions (https://stwserve.com/tsp-announces-start-of-roth-tsp-in-plan-conversions/) presents information...
Understanding The Vitally Important Irs Form 5498

Understanding the Vitally Important IRS Form 5498

02/10/2026
IRS Form 5498 (IRA Contribution Information) is vitally important for individuals who own any type...
2026,01,28 2026 Fehb Changes Planning If Gender Affirming Care Isn't Covered

2026 FEHB Changes: Planning If Gender-Affirming Care Isn’t Covered

02/10/2026
Now that we’re into the 2026 plan year, you’re likely noticing changes to your Federal Employees...
2026,01,28 Benefits Cliff Talk Decoded Planning Moves For Federal Workers

Benefits Cliff Talk, Decoded: Planning Moves for Federal Workers

02/08/2026
You’ve probably seen the headlines. Social Security is running out of money. Medicare trust funds...
Use It Dont Lose It

Use It, Don’t Lose It: How Feds Can Maximize Annual Leave in 2026

02/03/2026
Every year, thousands of federal employees forfeit annual leave. The leave does not disappear because...
Making Sense Of The Tsp Annuity

Making Sense of the TSP Annuity: Who it Fits and Why

02/02/2026
Guaranteed income for life appeals to many Feds. A Thrift Savings Plan (TSP) annuity converts part of...

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