Federal Pension Advisors Blog | Plan Your Federal Benefits

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Avoid common errors (TSP matching, Roth/TSP pitfalls, early Social Security claiming) that can drain retirement savings. Learn what those mistakes mean for your balance. Studies show federal employees who plan with an advisor can unlock up to $18,000 more in lifetime benefits (see Annuity.org Retirement Stats)

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Apr 8, 2025

The FEGLI Basic life insurance rates premium is a level rate per one thousand dollars of coverage.

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

How to Open an IUL Account: Step-by-Step Guide for Beginners

Thinking about growing your money while protecting your future? Opening an IUL account could be your wise move for tax-free growth and long-term security.

Apr 4, 2025

Do Federal Employees Pay Less Taxes? - Clearing Up the Confusion

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

Are FERS Annuities and Pensions Taxable? Understanding Taxes On FERS Annuity

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 News: Key Updates on TSP Balances and Retirement Trends

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

Annuity Supplement Explained: What Retirees Need to Know

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

Proposed Changes To Federal Retirement Benefits

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

How to Calculate Federal Employee Pension: A Step-by-Step Guide

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

What Is A 401a Plan? - 401a plan vs 401k & 401a plan vs 403b

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 - FERS And CSRS

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

Roth TSP vs Roth IRA

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

Mar 24, 2025

FERS Postponed Retirement

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.