There’s no shortage of annuity salespeople trying to convince you that a private annuity can create “guaranteed lifetime income,” but there are several reasons why private annuities may not be the best option for federal employees and retirees. But before ... Read More

Delaying Social Security past full retirement age (FRA) increases your benefit through delayed retirement credits – generally about 8% per year up to age 70. That can translate into significantly higher lifetime income and stronger protection for a surviving spouse. ... Read More

The rules keep changing. There is always some new announcement or proposal, and before long, your benefits look different than they did a year ago. A solid plan can handle those swings and still move you in the right direction. ... Read More

Most Feds expect a smoother tax picture once they leave government. But the mix of pension income, withdrawals from the Thrift Savings Plan (TSP) or an IRA, and Social Security can potentially keep you in the same tax bracket you held while ... Read More