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Proposed Health Savings Account Enhancement and Best HSA Accounts for 2025
Explore a proposed HSA enhancement and then discover the best Health Savings accounts to save on medical expenses in 2025.
Explore a proposed HSA enhancement and then discover the best Health Savings accounts to save on medical expenses in 2025.
2026 IRMAA Brackets: Anticipated Changes to Medicare Costs Planning for retirement is a big deal for federal employees, particularly those who might find themselves paying extra Medicare premiums because of their income level. This extra premium, known as the Income-Related Monthly Adjustment Amount (IRMAA), can sneak up on you if you’re not prepared. And because of how Medicare calculates it (using a two-year look-back at your income), it’s important to understand that what you earn in 2024 will determine your
TSP Rollover Guide: Learn how to transfer your Thrift Savings Plan to an IRA. Explore options for your retirement funds, including a Roth IRA rollover. Federal employee retirement savings guide for your TSP account.
Federal Employee Retirement System (FERS): Service Deposits and Timing Your Exit. Is there enough time to retire in 2025 and make a redeposit or military deposit?
Ideal Retirement Ages for Federal Employees: Maximize Your Benefits For federal employees, the question of when to retire is more than just a date on the calendar. Each year—or even month—you continue working can shift your FERS pension, your Social Security strategy, your Thrift Savings Plan (TSP) balances, and ultimately your financial security. The difference between retiring at your Minimum Retirement Age (MRA), age 60, or age 62 can translate into lasting effects on your monthly income, cost-of-living adjustments (COLAs),
Estimate your federal monthly retirement income with our retirement calculator and explore other financial planning tips. Maximize your retirement savings today!
The Roth TSP: Is This Federal Retirement Account Right for You? Introduction: Why the Roth Question Matters Now Are you a federal or military employee close to retirement age and feeling uncertain about future tax bills? It’s no secret that the national debt keeps expanding, and legislation like the SECURE Act has already shifted the retirement landscape. Many experts foresee potential tax rate increases down the road, raising the stakes for how you choose your Thrift Savings Plan (TSP)
QLAC Explained: Secure Your Lifetime Retirement Income When you’re a federal employee or retiree mapping out your long-term finances, few things feel more pressing than knowing you won’t outlive your savings. Pensions like FERS offer steady income, but the reality of partial COLAs, evolving Social Security rules, and stock-market volatility can still leave you uncertain. As lifespans continue to rise, many households worry their nest egg might not stretch far enough. That’s where a Qualified Longevity Annuity Contract (QLAC) can
Demystifying the Backdoor Roth IRA: A Strategic Guide For many federal employees and military personnel nearing or already in retirement, rising income levels and long careers often lead to challenges in maximizing certain retirement accounts. For instance, those with incomes above annual IRS thresholds are shut out of direct Roth IRA contributions. That’s where the backdoor Roth IRA strategy comes in. It provides a pathway to access the same tax-free growth and distribution benefits that would otherwise be off-limits due
TSP Calculator Guide: Maximize Your Federal Retirement Strategy Introduction: Why Your Retirement Math Matters If you’ve spent decades serving our country in a federal or uniformed service role, you understand the importance of careful planning. After 25 or more years in service, the difference between simply “winging it” and using a Thrift Savings Plan calculator can amount to six figures of spendable income across your retirement. The math matters. Calculators can feel intimidating. They require imagining all the moving
