Federal Retirement Planning Blog

Nov 27, 2025

For many people, a 401(k) is one of the largest assets they’ll ever own. So it’s natural to wonder:

Nov 26, 2025

The federal government offers one of the most stable and flexible retirement systems in the country.

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.

Nov 4, 2025

If you’re a federal employee planning for retirement or already receiving your annuity one of the biggest questions on your mind this year is:

Oct 30, 2025

If you’ve contributed to the Roth Thrift Savings Plan (TSP), you’ve already made a smart move toward tax diversification in retirement. But one question comes up again and again:

Oct 29, 2025

If you’re a federal employee especially within the Department of Defense you’ve probably felt the tension rising.

Oct 29, 2025

For many federal employees approaching or entering retirement, the question comes up sooner or later: “Should I Roll TSP into Roth IRA — or even a Roth IRA?”

Oct 29, 2025

In theory, it sounds simple: reach your MRA, have 10 years of service, and you can retire.

Oct 28, 2025

For many federal employees approaching retirement, hiring a financial advisor feels like a major decision.

Oct 27, 2025

For many federal employees, the TSP L Income Fund is where they naturally end up as retirement approaches. It feels like the safe, logical next step a stable, hands-off fund that protects what you’ve built over your career.

Oct 24, 2025

Working as a federal employee in the United States comes with stability, security, and a wide range of benefits.

Oct 17, 2025

When you need cash whether it’s for consolidating debt, tackling home renovations, or covering unexpected expenses it can be tempting to borrow against your retirement savings.

Oct 15, 2025

After the spike in 2023, inflation cooled so 2026 looks like a return to modest, “normal” increases. Small bumps matter: over a career, an extra $500–$1,000/year compounded inside tax-advantaged accounts can translate into tens of thousands more at retirement.

Oct 13, 2025

That single statement from the Office of Management and Budget (OMB) on October 10 sent shockwaves through the federal workforce.