News

Appeals Court Clears Path for CFPB Layoffs

In a significant ruling on August 15, 2025, the U.S. Court of Appeals for the D.C. Circuit lifted a lower court’s injunction, allowing...

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TSP

The TSP G Fund: Understanding The Pros & Cons

As you know, only federal workers and retirees can invest in the G Fund by participating in the Thrift Savings Plan (TSP). And, when the...

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Retirement

Do Singles Need To Save More For Retirement?

Unfortunately, the answer is yes. Singles need to save more for retirement because income taxes and Social Security are structured to favor...

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News

The Social Security Act Turns 90

Social Security, officially the Social Security Act, was signed into law on August 14, 1935, by President Franklin D. Roosevelt, marking its 90th anniversary in 2025. Below is a concise history of its development, key milestones, and evolution. Origins and Creation (1930s) The Great Depression (1929–1939) devastated the U.S. economy,...

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Benefits

A History of Federal Retirement Benefits

Federal retirement benefits were virtually nonexistent before the 20th century. Federal employees relied on personal savings or limited agency-specific pensions, often tied to military or postal service. Many workers, especially in lower ranks, faced financial insecurity upon retirement or disability. The lack of a standardized system...

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VERA vs. Normal FERS Retirement: Pros and Cons

The Voluntary Early Retirement Authority (VERA) is a special option the federal government can...

Is It Time To Review Your Retirement Plan?

Far too many federal employees take a set-it-and-forget-it approach with their retirement plan. But...

Recent News Affecting Federal Employees

ICE Recruiting Former Federal Employees ICE is aggressively recruiting former federal employees as...

Why DIY Retirement Planning May Not Work For Feds

Since your FERS annuity (pension), Social Security, and Thrift Savings Plan (TSP) provide three...

Federal Workforce Cuts: Financial Fallout, Capacity Concerns, and New Leave Rules

The federal workforce is undergoing sweeping reductions, triggering debate over the long-term costs...

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TSP to IRA Rollovers: The Pros and Cons

The Thrift Savings Plan (TSP) is a cornerstone of retirement planning for federal employees,...

Reminder: Know Your Federal Benefits as the DRP Separation Date Nears

With the September 30 Deferred Resignation Program (DRP) date approaching, now is the time to...

Should You Use Your TSP To Pay For Your Kids’ College?

Ideally, parents started contributing to a 529 plan or another type of college savings account when...

News

VA Cuts Ties with Unions, Sparking Uproar

On August 6, 2025, the Department of Veterans Affairs (VA) ended collective bargaining agreements with unions representing 377,000...

Retirement

Retirement Applications Slow in July

OPM continues to deal with a backlog of federal retirement applications, as July saw 8,295 employees file for retirement. While this number...

News

Appeals Courts Uphold Executive Order Curbing Federal Unions

Federal unions suffered a major setback this summer as two appeals courts cleared the way for the Trump administration’s executive order...

TSP

TSP July Returns

In July 2025, the TSP reported varied performance across its funds, with 14 of 16 funds posting gains, though most grew by less than 1%...

Retirement

Creating a Smart Withdrawal Plan for Retirement

How you choose to draw down your retirement accounts can shape your tax bill, the lifespan of your savings, and your ability to meet...

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News

How the Merit Hiring Plan Changes Federal Employment

The 2025 Merit Hiring Plan, enacted through an executive order in January 2025, significantly transforms federal hiring practices,...

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