Many federal retirees move to rural areas after they retire. The appeal is clear: housing costs less, you get more space, and life slows down. But healthcare access deserves just as much attention in your planning. Can you get the ... Read More

Two key deadlines are approaching for some federal employees and retirees. The first deadline is for those federal employees and retirees born between January 1 and December 31, 1952, and who are traditional IRA owners and/or retired qualified retirement plan ... Read More

Federal agencies keep getting reorganized. The civil service rules that govern your job? They shift constantly, and most employees can’t keep up with every change. You’re still expected to meet your performance goals while all this workforce uncertainty plays out ... Read More

The One Big Beautiful Bill Act (OBBBA) extended several individual provisions of the Tax Cuts and Jobs Act (TCJA) beyond 2025. That extension removed what many federal retirees expected to be a sharp tax-rate increase in 2026. For years, planning conversations assumed ... Read More

The Thrift Savings Plan (TSP) is part of the federal retirement three-legged stool. The TSP is a defined contribution plan, meaning how much you receive depends on how much you contribute. A TSP hardship withdrawal can reduce how much you receive ... Read More

Retirement volumes are climbing, and processing backlogs leave some federal retirees waiting weeks – sometimes months – for their first check. Bills don’t wait, though. You need to understand the steps your claim goes through, pinpoint exactly where it is, ... Read More

In July 2025, President Trump signed into law Public Law 119-21, commonly known as the One Big Beautiful Bill Act (OBBBA) of 2025. Among the provisions passed into law is one provision affecting all individual income tax filers and another ... Read More

  The Thrift Savings Plan (TSP) G Fund operates differently from anything else in the lineup. It invests in special-issue U.S. Treasuries exclusive to TSP, credits interest daily, and never loses value due to market swings. With higher rates, the TSP G Fund ... Read More

The Tax Cuts and Jobs Act of 2017 (TCJA) made two changes to the state and local taxes deduction included as an itemized deduction on IRS Form 1040 Schedule A. These two changes were: (1) Foreign real estate property taxes ... Read More

Health Savings Accounts (HSAs) came into existence in December 2003 as part of the Medicare Prescription Drug, Improvement, and Modernization Act. Sometimes dubbed the “healthcare IRA,” HSAs allow Feds to set aside pre-tax money to cover co-pays, deductibles, and other qualified out-of-pocket ... Read More