April 1,2025 is the deadline for federal employees and retirees born between January 1 and December 31 ,1951 owning traditional IRAs to take their first traditional IRA required minimum distribution (RMD) for the year 2024. This column discusses what a ... Read More

As a federal government employee, you have access to a bevy of benefits. One such benefit is healthcare insurance through the Federal Employees Health Benefits (FEHB) program. FEHB options provide comprehensive health coverage. However, those choices typically offer only limited vision ... Read More

Many retirees are not aware that Social Security monthly disability and retirement benefits are potentially federal and (in some states) state taxable. Social Security beneficiaries who receive monthly benefits should be aware that federal income tax withholding from monthly benefits ... Read More

From routine preventive care to painful emergencies, dental services are an important – and sometimes costly – part of healthcare. Our Feds often ask us about maximizing FEDVIP dental benefits, especially when planning for major procedures or transitioning into retirement. ... Read More

Bankruptcy can be a challenging but necessary step toward financial recovery. For Feds, it’s critical to understand how bankruptcy affects federal pensions and bankruptcy protections, as well as the TSP bankruptcy rules that determine what happens to retirement savings. Knowing ... Read More

New digital wealth like cryptocurrency demands fresh thinking about your estate plan. Let’s walk through exactly how to protect your crypto investments and make sure your family can access everything they’re entitled to after you’re gone.   Estate Planning Basics ... Read More

When it’s time to retire from your federal government career, you’ll likely receive benefits through the Federal Employees Retirement System (FERS) thanks to its Basic Benefits, Social Security, and the Thrift Savings Plan (TSP) pillars. Your TSP is funded by payroll contributions ... Read More

As interest in sustainable investing grows, many of our Feds have asked how they can align their retirement savings with their personal values. For those who prioritize environmental and ethical concerns, building a green retirement portfolio may be an appealing ... Read More

For our Feds, retirement brings both a steady pension and required minimum distributions (RMDs) – those IRS-mandated withdrawals from your retirement accounts once you reach a certain age. By thoughtfully combining these two income streams, you’ll keep more of your hard-earned money ... Read More

Marriage to a foreign national or working abroad can generate many advantages. You could learn about new cultures, viewpoints, and lifestyles. International marital and employment arrangements also generate their share of changes in U.S. federal benefits, tax considerations, and estate ... Read More