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Federal Employee Articles

A Checklist for Spousal Survivors of Federal Workers or Retirees
August 19, 2019

After the loss of a spouse, paperwork and phone calls are the last thing anyone wants to deal with. Unfortunately, these things are also a fact of life. If you’re a federal employee or retiree, reviewing your survivor benefits with your spouse will become an important part of estate planning….

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9 Strategies That Can Lead to Early Retirement
August 12, 2019

Many of us would prefer to retire earlier, rather than later. But is that option out of reach for those of us with middle class incomes? Not necessarily! An early retirement might require a bit of sacrifice, and will definitely require some smart strategizing. The following strategies could make a…

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6 Steps That Get You Closer to Federal Employee Retirement
August 5, 2019

If you’re approaching your expected retirement date in the next few years, you might be wondering what steps you will need to take in the near future. This brief guide will provide an overview of that information for FERS employees. Calculate your expected retirement income and budget. We can help…

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4 Reasons to Claim Social Security Sooner Rather Than Later
July 22, 2019

In the retirement planning world, we understand that everyone has different circumstances. Some retirees need to claim their Social Security benefits right away while others can afford to wait. Claiming benefits early (as early as age 62) can mean a permanent reduction in your monthly checks. Meanwhile, you can actually…

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Will We See a COLA in 2020?
July 15, 2019

As retirement planners, we often talk about the need for a retirement income that keeps pace with inflation. Without that, your spending power would erode over time, and you could find yourself a decade into retirement and struggling to make ends meet. That’s why Social Security, which provides supplemental income…

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Evaluating Your Survivor Annuity Options
July 8, 2019

As a federal employee, you know that your annuity will someday comprise a significant portion of your retirement income. But those payments also end when you pass away. So, what would happen to your spouse, if both of you are dependent upon that income, but you are the first to…

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What Are You Teaching Your Adult Children About Retirement?
July 1, 2019

We often think that we’re finished teaching our children once they’ve grown up and left home. But in reality, your adult kids are still learning from you. In fact, they’re likely to make their own retirement planning decisions based largely upon what they’ve observed you do, and what you’ve shared…

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Do You Believe Any of These Common Finance Myths?
June 24, 2019

One of the reasons so few people adequately plan for their financial futures is due to the proliferation of several common myths. Some believe that Social Security will provide everything they need for retirement (it won’t), or that their life insurance payout will take care of their families in an…

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Evaluating Your Healthcare Options in Retirement
June 17, 2019

As financial planners, we spend a lot of time talking about the three tiers of your Federal Employee Retirement System. Social Security benefits, your annuity payments, and withdrawals from your Thrift Savings Plan will provide three streams of income in retirement. But considering the average couple will spend about $275,000…

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Estate Planning for Federal Employees
June 9, 2019

When you first became a federal employee, you filled out a number of forms related to your benefits. You might have established a contribution schedule for your Thrift Savings Plan, opted for Federal Employees Group Life Insurance, and made other decisions related to your benefits. Another big decision revolved around…

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