Understanding FEGLI
FEGLI, the Federal Employee Group Life Insurance program, is one of the largest term life insurance programs in the world. But it’s not...
Navigating Your FERS Retirement Application
In 2024, the Office of Personnel Management (OPM) processed approximately 92,000 retirement applications. Mistakes or missing information...
Retirement Planning Essentials
Retirement planning starts long before you’re ready to head off into the sunset and enjoy your golden years. In fact, as a federal...
Deferred vs. Postponed Annuity
For federal retirees under the Federal Employees Retirement System (FERS), the terms “deferred annuity” and “postponed annuity” refer to distinct options for receiving retirement benefits after leaving federal service. Here’s a clear breakdown of the differences: Deferred Annuity A deferred annuity applies to...
Consumer Confidence Hits Four-Year Low
Consumer confidence is an economic indicator that reflects how optimistic or pessimistic people feel about the economy and their personal financial situations. The Conference Board’s Consumer Confidence Index is based on a monthly survey of about 5,000 U.S. households conducted online. The survey asks five key questions, split into two...
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Possible Proposals to Cut Federal Employee Benefits – Part 2
The fiscal impact of cutting federal employee benefits could be substantial. Standardizing FERS contributions at 4.4% might save $40-50...
Possible Proposals to Cut Federal Employee Benefits – Part 1
Why Focus on Federal Employee Benefits? With the U.S. national debt surpassing $34 trillion and budget deficits persisting, federal...
Effects of a Divorce on Your TSP
What happens to your Thrift Savings Plan (TSP) during a divorce? Your account can be split through a court-issued divorce decree,...
Reorganization Plans Due Today
Government agency reorganization plans are due today, March 13, 2025. The current push for reorganization stems from an executive order...
Penalty-Free TSP Monthly Payments
Federal employees who exit service before age 55 can opt for monthly withdrawals from their traditional Thrift Savings Plan (TSP) based on...
The Path to TSP Millionaire Status
The average TSP balance for a 60-year-old federal employee hovers around $200,000, per 2024 Federal Retirement Thrift Investment Board...
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