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Federal Employee Articles

3 Common Federal Employee Retirement Myths
September 15, 2019

One of the perks of federal employee retirement is that you do indeed have a lot of resources at your disposal. This can lead to some misinterpretations of what those resources are actually for. “I have plenty of time to plan”. When you were first hired, you completed a stack…

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6 Ways to Waste Money in Retirement
September 9, 2019

We talk a lot about saving for retirement, but let’s shift gears and discuss what happens after you retire. How do you spend your money wisely? Budgeting is a complicated topic, and we can’t cover everything in one blog. But in general, we’ve found that many retirees make at least…

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Understanding the FERS Earnings Test
September 4, 2019

One benefit enjoyed by federal employees is the ability to retire and claim their annuity payments after reaching 30 years of service and their minimum retirement age (56 or 57 for most FERS current employees). For many individuals this could translate into an earlier retirement than most workers in the…

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5 Hidden Costs That Can Sneak Up on You!
August 26, 2019

Living within your budget is the tried-and-true method for preventing excess debt, beefing up your savings, and even helping you transition into retirement more smoothly. But in some cases, extra charges can surprise you. Learn the sneaky insider secrets to common industries, so you can be on guard for unnecessary…

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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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