Retiring from federal service is a significant milestone. For many, it’s an exciting time to embark on new adventures, while others may find themselves uncertain about their next steps. After years of dedicated work, our Feds often tell us they’re ... Read More

At the time of this writing, there is uncertainty as to the amount of the 2025 pay raise. In August, President Biden formalized his proposed 2.0 percent average pay raise, stipulating that 1.7 percent would be devoted to an across-the-board ... Read More

The Thrift Savings Plan (TSP) offers Feds a unique opportunity to grow retirement savings with a government match of up to 5% of your salary. But did you know that contributing too much, too quickly, could mean missing out on ... Read More

As a federal retiree, you’ve earned the freedom to roam. And why not? You’ve worked hard for your retirement, and living overseas can be a great way to stretch your dollars and experience new cultures.  But it’s not all beach ... Read More

The holiday season is a time for reflection, celebration, and creating cherished memories with loved ones. Here at Serving Those Who Serve, we understand the importance of community and connection, especially during this special time of year.  With that in ... Read More

Written By: Matthew Kramer As the year comes to a close, now is the perfect time to take stock of your financial situation and set the stage for a successful year ahead. Whether you’re building wealth, preparing for retirement, or ... Read More

While investors prefer to have their investments increase in value over time, sometimes an investment that has lost value can produce some good in the form of possible tax savings. The strategy that allows an investor to utilize a realized ... Read More

Retirement planning can be a puzzle – especially when one spouse is a federal employee, and the other is in the private sector. Mixed-retirement households are more common than you think, and at Serving Those Who Serve (STWS), we work with many ... Read More

Roth IRAs have been available since 1998. In spite of their being advertised as a financial panacea, Roth IRAs  may not be financially suitable for all individuals. At this time late in the year, many traditional IRA owners are being ... Read More

Heads up! This is not the most updated information on this topic. With the passage of the Social Security Fairness Act in January 2025, the impact of WEP on CSRS and CSRS Offset pensions was largely eliminated. Check out our ... Read More