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Federal Employee Articles

Should Both Spouses Retire at the Same Time?
March 23, 2020

When scheduling your retirement date, your spouse (and their career) become an important consideration. Maybe you can’t wait to travel together and spend more time with family, so you might wish to both retire at the same time. On the other hand, there can be important reasons for retiring at…

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Would You Take Advantage of a TSP Hardship Withdrawal Option?
March 16, 2020

Sometimes life throws us curveballs, and we need access to emergency cash. To this end, the Federal Retirement Thrift Investment Board has proposed a change that would allow greater access to hardship withdrawals from Thrift Savings Plans. Currently, hardship withdrawals fall under four categories based on the type of hardship…

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Carrying Your Health Benefits Into Retirement
March 9, 2020

If you’re a federal employee who appreciates your healthcare program, you might be happy to learn that you can indeed continue your Federal Employee Health Benefits (FEHB) into retirement. This provision, available to federal employees, is unlike most healthcare systems offered to private sector workers. Carrying your FEHB into retirement…

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Changes Coming to the TSP Catch-Up Contribution Process
March 2, 2020

If you currently participate in the Thrift Savings Plan “catch up” contribution program, take note of this: The process for making these contributions will change beginning in 2021. These rules concern catch-up contributions only, which are available to workers aged 50 and older. Essentially, these contributions allow you to stash…

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Accessing Your Thrift Savings Plan
February 24, 2020

In past blogs, we have discussed retirement timing and planning for your ideal retirement date. But of course, sometimes things don’t go as planned. In the event that you want or need to retire earlier than you originally scheduled, you might need to access your Thrift Savings Plan and you…

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Planning Your Official Retirement Date
February 17, 2020

It is often said that there are only two things that are certain in life: Death and taxes. Considering that Benjamin Franklin made that statement a couple of centuries ago, when times were quite different, we would add one more certainty to the list. Nearly all of us will retire…

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3 Important Social Security Rules
February 9, 2020

One day, you will depend upon a combination of your annuity payments, withdrawals from your Thrift Savings Account, and a monthly Social Security benefit to provide your retirement income. With regard to Social Security benefits, there are three things you should know as you plan for retirement, so that you…

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How Much Income Do You Need in Retirement?
February 3, 2020

Even though you enjoy one of the best retirement systems in the country, federal employees still need to plan carefully for retirement just like everyone else. In fact, you should definitely avoid assuming that because you can potentially draw income from three different sources, that you’re completely “set up”! As…

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Things to Know If You Become Disabled During Your Service
January 27, 2020

If you’re a federal employee, the hope is that you will enjoy comprehensive retirement benefits after completing your planned service. However, on occasion a sudden disability strikes, whether due to illness or an accident. If this happens to you during your time as a federal employee, you might have two…

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25 Ways to Trim Your Budget
January 20, 2020

If you’ve resolved to reduce debt or save more in 2020 (or preferably, both) you might know that analyzing your budget is not easy. We all purchase a number of goods and services each month, and it can be difficult to keep track of all of them. One way to…

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