Federal Pension Advice and Insights

Nov 24, 2025

When you are planning for retirement, choosing the right income strategy matters, especially if you’re a federal employee balancing long-term benefits

Nov 20, 2025

When people think about leaving a legacy, they often picture gifts to children or grandchildren.

Nov 19, 2025

We usually think of the beneficiaries of our estate as the people we love most. But a beneficiary can be any person or entity you choose to support including the nonprofit organizations and charities that shaped your values throughout your life.

Nov 18, 2025

If you’ve ever tried to move your retirement savings, you’ve probably run into confusing terms like transfer, rollover, direct rollover, and direct transfer.

Nov 14, 2025

For 2025, the maximum Health Savings Account (HSA) contribution is $4,300 for self-only coverage and $8,550 for family coverage. Individuals age 55 and older can make an additional $1,000 catch-up contribution.

Nov 13, 2025

When building a long-term retirement strategy, you have several tools at your disposal. A workplace 401(k) is one of the most common options, allowing you to invest for retirement on a tax-advantaged basis.

Nov 13, 2025

A payroll calendar is essential for companies to budget effectively and manage yearly compensation expenses.

Nov 11, 2025

This overview outlines how each plan operates, their contribution limits and withdrawal rules, and the distinctions among 401a vs 401k vs 403b.

Nov 10, 2025

For most CSRS employees, the survivor benefit election is one of the most important (and misunderstood) retirement decisions. It’s not just about numbers it’s about peace of mind.

Nov 6, 2025

Working for the federal government often comes with robust benefits but when a medical condition hinders your ability to perform your job

Nov 5, 2025

You can usually withdraw from TSP without the 10% early withdrawal penalty if you leave federal service during or after the year you turn 55, qualify for the age 50 public safety exception, become permanently disabled, or meet another IRS exception.

Nov 5, 2025

If you have looked at your paycheck and noticed “Retire FERS,” it is easy to treat it like just another payroll code. That is where many federal employees make their first retirement-planning mistake. What looks small on your paycheck is actually tied to one of the most important income systems you will rely on later.