Deferred vs. Postponed Annuity
For federal retirees under the Federal Employees Retirement System (FERS), the terms “deferred annuity” and “postponed...
Federal Retirement Benefits: Calculation and Common Estimate Mistakes
Federal Retirement planning can feel like navigating a maze. Your Thrift Savings Plan (TSP), annuity, Social Security, and other benefits...
TSP Millionaires Near 200,000 as Long-Term Growth Continues
The number of TSP millionaires continues to climb, highlighting the impact of long-term contributions and market performance on federal...
TSP Roth Conversion Less Than a Week Away: What Federal Employees Should Know
With the Thrift Savings Plan’s Roth in-plan conversion option less than a week away, many federal employees and retirees are taking a closer look at how this long-anticipated change could affect their long-term tax strategy. Beginning January 28, 2026, the TSP will allow participants to convert eligible traditional (pre-tax) TSP...
Accessing Your TSP Early: How Federal Employees Can Skip Penalties
Retirement doesn’t always align with age 59½ for federal employees, leaving many wondering how to tap into their Thrift Savings Plan (TSP) funds sooner without hefty penalties. The good news is, you can often avoid the standard 10% early withdrawal penalty if you know the TSP’s specific exceptions. The Rule of 55: A Major...
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All TSP Funds End 2025 in Positive Territory
For the second year in a row, all TSP funds ended the year in positive territory. Federal employees heavily invested in the I Fund...
Maximizing Your Federal Retirement: The Best Dates to Retire in 2026
The right timing can greatly impact your federal retirement by helping you maximize your annuity start date, annual leave lump-sum payout,...
Pros and Cons of the TSP Lifecycle Funds
The TSP Lifecycle Funds, also known as L Funds, are target-date retirement funds designed to simplify investing by automatically adjusting...
Choosing A Tax Pro To Help Plan Your Federal Retirement
Many retirees expect to have lower taxes in retirement, but are shocked when they get their tax bill. An experienced tax professional can...
Federal Workforce 2025: A Year in Review
Members of the federal workforce will likely be happy to see 2025 in the rearview. The turbulent year brought unprecedented uncertainty...
2026 Changes Affecting Federal Employees and Retirees
Two important updates could affect retirement planning for federal employees: increasing payroll and earnings-limit thresholds, and...
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