FERS retirement from federal government information. Learn how sick leave impacts your benefits and the 1.1% rule. Use our calculator for precise federal employee retirement planning.
Has Your Federal Raise Kept Up? Analyzing the 2025 Employee COLA Many federal employees approach retirement expecting that each year’s pay increase will keep them on track with the cost of living. However, when the inflation numbers come in higher than your raise, you might find that your paycheck doesn’t stretch quite as far as it used to. If you’re wondering whether the 2025 cost of living increase for employees will carry you comfortably into your golden years, it’s time
Explore options for early FERS retirement when leaving federal service at age 55 or younger. Learn about eligibility to retire and benefits for federal employees.
Maximize your retirement savings with Traditional and Roth TSP contributions. Learn how federal employees can optimize their Thrift Savings Plan and stay on top of recent and upcoming changes.
Comprehensive CSRS Retirement Benefits Guide for Federal Workers For federal employees who have been in the workforce long enough to remember the Civil Service Retirement System (CSRS), it remains a tried-and-true pillar of retirement security. Established in 1920, CSRS served as the government’s primary pension system until the Federal Employees Retirement System (FERS) emerged in 1987. While only about 1.6% of active federal employees are still covered under CSRS today, those who remain can enjoy significant advantages when planning their
Maximize Your Marriage Benefits: A Comprehensive Guide to Spousal IRAs For many married couples approaching retirement, balancing retirement accounts for both spouses can pose some challenges—especially if one partner has spent years outside the workforce or earning significantly less income. In these situations, the Spousal IRA can be an underappreciated but powerful tool to boost household retirement readiness. This guide explores how Spousal IRAs work, highlights the rules that govern them, and shows how they can integrate smoothly with federal
Roth TSP vs Roth IRA: Best Retirement Account for 2025 Introduction to Roth Options for Federal Employees As a federal employee, it can be challenging to decide which retirement accounts best fit your long-term goals. Two popular choices—Roth Thrift Savings Plan (Roth TSP) and Roth Individual Retirement Account (Roth IRA)—offer a unique balance of after-tax contributions and tax-free withdrawals in retirement. What makes them both appealing is the potential to avoid higher taxes later on if you expect to
Are there key differences between financial advisors and financial planners? Learn about certifications, roles, and what to look for in your financial journey.
If the FERS High 3 salary shifts to a High 5 calculation, how would that affect the pension for federal employees? Learn how to calculate your average salary for federal retirement benefits.
JTWROS: Smart Estate Planning for Federal Co-Owners For many federal employees nearing retirement, estate planning can feel overwhelming. Between Thrift Savings Plan decisions, FEGLI beneficiary designations, and pension considerations, there’s a lot to juggle. One powerful tool that can help simplify this process is joint tenants with rights of survivorship (JTWROS). By allowing assets to transfer immediately upon the death of one co-owner, JTWROS can streamline estate planning, helping older federal employees and retirees avoid unnecessary probate delays and costs.
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