Regardless of which term you use – reduction in force or downsizing or reorganization – layoffs are a fact of life for large organizations, and the Federal Government is no different. If you’re close to… Read More
Understanding Your FERS Retirement
If you are a Federal Government Employee planning to retire, the Federal Employee Retirement System (FERS) will play a key financial role in your retirement. FERS, was launched on June 6, 1986, and replaced the… Read More
Using the TSP to Pay Off Your Mortgage
On the one hand, you have a mortgage and a mortgage payment, and on the other, you have your TSP, which you’ve built up through hard-earned savings over time. Retirement is looming, and the thought… Read More
What to Watch for During the Presidential Transition
The Economy and Markets What to Watch for During the Presidential Transition After a long and often bitter campaign, it appears more and more likely that Joe Biden will be sworn in as the 46th… Read More
Early Retirement and Federal Employee Healthcare Benefits
Carefully Examine Your Healthcare Options Due to the COVID-19 pandemic and other factors, many employees today are thinking about early retirement, and this includes some federal government employees. As we wrote in our post on early… Read More
Understanding Your FERS Annuity
If you are a long-time Federal Government employee, the FERS basic benefit will be a primary source of income for you in retirement. If you’re wondering if FERS is a good retirement plan for federal… Read More
The TSP Goes to China – An Emerging Markets Option?
If you follow your investments closely in the Thrift Savings Plan, you’ve probably read about the controversy surrounding the TSP and China. One of the few issues with the TSP has been the lack of an… Read More
In-Service Distributions from Your TSP Account
When it comes to understanding your TSP withdrawal options, it is useful to differentiate between taking a withdrawal while you are still a Federal employee versus after you have separated from service. We have covered… Read More
TSP Withdrawal Options at Retirement
If you’re a federal employee then chances are you have a Thrift Savings Plan (TSP) account. If leaving federal service for retirement is just around the corner, you may be wondering how to handle… Read More
Leaving Federal Service: Financial Issues to Consider When Taking a Job Outside the Government
One of the primary reasons clients begin working with us is job change. Beyond just a change in employer, there is usually a change in salary, benefits are different and you’ve got to decide what… Read More