Federal Retirement Planning Blog

May 2, 2025

In early 2025, federal employees have increasingly encountered a new workforce management tool: the Deferred Resignation Program (DRP).

May 1, 2025

When it comes to saving for retirement, federal employees are fortunate to have access to some powerful tools. Two of the most popular retirement savings options are the Thrift Savings Plan (TSP) and the Roth IRA (Individual Retirement Account).

Apr 30, 2025

If you’re planning to retire before age 62 under the Federal Employees Retirement System (FERS), the FERS Annuity Supplement could provide important financial support.

Apr 25, 2025

The federal govt hiring freeze has been officially extended until July 15, 2025, following an announcement from President Donald Trump.

Apr 25, 2025

When you deposit a check, you probably expect the money to show up in your account quickly. But that’s not always the case, and that’s where Regulation CC (Reg CC) comes in.

Apr 24, 2025

If you are a federal employee nearing retirement, understanding your pension is just as important as planning how you will spend your golden years.

Apr 23, 2025

Retirement planning is one of the most critical decisions in anyone’s career, especially for federal employees under the Federal Employees Retirement System (FERS).

Apr 21, 2025

A Voluntary Separation Incentive Program (VSIP) is a financial incentive offered to employees to encourage them to voluntarily separate from their employment, often used by organizations during downsizing or restructuring.

Apr 17, 2025

Temporary continuation of coverage allows you to keep your insurance benefits for a limited period after your regular coverage ends — usually due to leaving a job, changing employment status, or other qualifying life events.

Apr 15, 2025

As the economy continues to evolve, many investors are turning to safe, inflation-protected assets. Among these, I Bonds have gained popularity, especially during uncertain times.

Apr 14, 2025

As of November 2024, the U.S. federal government employed just over 3 million individuals, marking the highest level of federal employment since September 1994 . This workforce includes both civilian and military personnel across various departments and agencies.

Apr 11, 2025

Federal employees lose retirement money every year simply by contributing too little to the Thrift Savings Plan. Many know the TSP offers a government match, but fewer understand exactly how it works, when it starts, and how much they may be leaving behind by missing full matching contributions

Apr 9, 2025

There is no single official public number for how many federal employees were fired in 2026. The clearest figure tied to the broader downsizing effort is roughly 6,900 probationary firings, based on reported OPM data.

Apr 8, 2025

The FEGLI Basic insurance premium is a level rate per one thousand dollars of coverage. The level premium feature means the enrollee premium rates are equal for the duration of the coverage period.

Apr 7, 2025

To open an IUL account, you apply for an indexed universal life (IUL) insurance policy through a licensed life insurance agent or carrier, complete underwriting, review the policy illustration, and pay your first premium to activate coverage.

Apr 4, 2025

Do Federal Employees Pay Less Taxes? There’s a common misconception that federal government employees don’t pay the same taxes as everyone else.

Apr 3, 2025

Understanding how your federal retirement income is taxed?, taxes on fers annuity, is fers pension taxable?, is fers annuity taxable? is essential for effective financial planning.

Apr 3, 2025

Federal retirement planning is an evolving landscape, with changes in policies, Thrift Savings Plan (TSP) balances, and legislative impacts influencing the financial future of government employees.

Apr 2, 2025

Retirement planning for federal employees can be complex. One critical yet often misunderstood benefit is the annuity supplement, which helps bridge the gap between early retirement and Social Security eligibility at age 62.

Apr 2, 2025

The House of Representatives passed a Republican budget resolution, H.Con.Res.14, on February 25, by a narrow vote of 217-215 along party lines.

Apr 1, 2025

After years of service, retirement should feel like a reward, not a math problem. Understanding how to calculate a federal employee pension is crucial for effective retirement planning for federal employees.

Mar 28, 2025

401a retirement plan is a retirement scheme sponsored by an employer, structured as a money-purchase plan. Contributions can be made by the employer, the employee, or both, based on a fixed amount or percentage.

Mar 28, 2025

Gs retirement formula is the FERS (Federal Employees Retirement System) annuity is calculated by multiplying your "high-3" average salary by your years of service, and then by a factor of 1% (or 1.1% for those retiring at age 62 or older with 20+ years of service).

Mar 25, 2025

Both Thrift Savings Plans (TSPs) and Individual Retirement Accounts (IRAs) offer traditional and Roth options.

Mar 24, 2025

A FERS Postponed Retirement is when you separate from service with at least 10 years of creditable service, and you have at least reached your MRA (Minimum Retirement Age). But instead of drawing your pension when you separate from service – you postpone it until later.