News

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...

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Benefits

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...

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Retirement

Navigating Your FERS Retirement Application

In 2024, the Office of Personnel Management (OPM) processed approximately 92,000 retirement applications. Mistakes or missing information...

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TSP

Thrift Savings Plan (TSP) Loans

A Thrift Savings Plan (TSP) loan allows federal employees to borrow money from their TSP retirement savings. It can be a useful option for covering expenses like buying a primary residence or weathering tough financial times, but it’s important to understand how it works and its potential impact on your retirement savings. There are...

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Retirement

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...

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Retirement Planning Essentials

Retirement planning starts long before you’re ready to head off into the sunset and enjoy your...

Steps To Take With Layoffs Looming

With many federal employees still reeling from mass layoffs, legal challenges, and job insecurity,...

Is 2025 a Bad Year to Retire?

The federal workplace is being upended by layoffs and reductions in force, but, with whispers of a...

Understanding Your Service Computation Date

A service computation date (SCD) is a key factor in determining a federal employee’s...

Insurance Benefits After Separation or Retirement

Federal employees enjoy access to a range of insurance benefits. Many of these benefits can...

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The Path to TSP Millionaire Status

The average TSP balance for a 60-year-old federal employee hovers around $200,000, per 2024 Federal...

Federal Retirement: The TSP’s Role

Federal employees approaching retirement rely on a three-legged stool: their annuity (pension),...

A Potential Shutdown Looms

The U.S. federal government faces a potential shutdown on March 14, 2025, unless Congress passes a...

Resources

Phishing Emails and Ghost Preparers – Beware Tax Scams

Phishing Emails and Smishing Texts Fake IRS Phone Calls Bogus or Ghost Tax Preparers False Tax Credit Schemes IRS Online Account Scams How...

News

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...

News

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...

TSP

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,...

News

Reorganization Plans Due Today

Government agency reorganization plans are due today, March 13, 2025. The current push for reorganization stems from an executive order...

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Resources

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...

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