For years, many retirement conversations assumed a much shorter timeline. A Fed might retire, draw a pension, claim Social Security, take withdrawals from the Thrift Savings Plan (TSP), and plan around a retirement lasting 10 to 15 years. That assumption no longer ... Read More

Medicare can seem straightforward until income comes into play. The Income-Related Monthly Adjustment Amount (IRMAA) is the extra amount some higher-income Medicare enrollees pay for Medicare Part B and Part D coverage. IRMAA does not affect the Medicare coverage you receive, but ... Read More

Katelyn and Dan discuss how federal employees can better coordinate multiple pension income streams in retirement and why FEGLI costs deserve a closer look after age 55. Check Out Our Next FERS Webinar for Federal Employees – REGISTER HERE The ... Read More

Jen and Dan discuss tax planning strategies that can help federal employees keep more of their retirement income and the critical ages that can shape retirement decisions under FERS Check Out Our Next FERS Webinar for Federal Employees – REGISTER ... Read More

Over the past 20 years, many Americans including federal employees have been staying on the job longer. Workers aged 75 and over are expected to have the largest growth in labor force participation of any age bracket over the next ... Read More

In this episode, Dan and Ed explain TSP installment payments, including the difference between fixed dollar payments and life expectancy payments. They also cover when and how you can make changes to your installments, key tax withholding rules, and important ... Read More

By law, a Thrift Savings Plan (TSP) participant’s spouse has certain rights to the participant’s TSP account. These rules apply to withdrawals even if the TSP participant is separated from but still legally married to the participant’s spouse. The Federal ... Read More

This is the first of four FEDZONE columns discussing the withdrawal options that are available to separated Thrift Savings Plan (TSP) participants. In these columns, a “separated” TSP participant means a civilian federal employee or a member of the uniformed ... Read More

In January 2025, federal agencies were directed to end remote work, requiring their employees to return to the office full-time. As a Fed, you could be okay with the RTO mandate. Perhaps you like the idea of in-person collaboration and ... Read More

Ed and Dan provide a thorough overview of OPM’s decision to grant federal agencies the authority to offer early retirement through Voluntary Early Retirement Authority (VERA). They discuss the eligibility requirements, benefits, and potential impact of this offer on federal ... Read More