Federal Pension Advice and Insights

Jul 9, 2025

Starting in 2026, federal employees and military members will have access to a major new feature within the Thrift Savings Plan (TSP): in-plan Roth conversions.

Jul 4, 2025

In 2026, federal employees will not receive a general pay raise, as outlined in the latest White House budget proposal. While the absence of a cost-of-living increase dominates headlines, it’s far from the whole story.

Jul 3, 2025

So what’s changing, how could it affect you, and what steps should you take now? This guide breaks down the updates, explains the risks, and helps you prepare for your retirement future with clarity and confidence.

Jul 2, 2025

Every October, the Social Security Administration announces the next year's Cost-of-Living Adjustment (COLA) and millions of federal retirees, Social Security recipients, and FERS/CSRS annuitants pay close attention.

Jul 1, 2025

For 2026, the federal government implemented a 1.0% base pay increase, with locality pay rates for Miami largely holding steady. As a designated high-cost locality area, Miami continues to benefit from a 24.67% locality adjustment, applied on top of base GS salaries. This ensures that federal compensation in the region remains aligned with local economic conditions, even in a lower-adjustment year.

Jun 27, 2025

USPS pay raise 2025 brought major updates for NALC members, including back pay, wage increases, and COLA adjustments. This guide covers the latest pay charts, eligibility details, and what USPS employees should know as these changes continue into 2026.

Jun 26, 2025

The Biden administration’s fiscal year president's budget request 2026 does not include a pay raise for federal employees, continuing the pay freeze already in place for 2025.

Jun 25, 2025

The General Schedule (GS) pay scale for 2026 in Florida is based on the official Federal Pay Tables released by the U.S. Office of Personnel Management (OPM). As with all U.S. states, federal civilian salaries are determined by GS grade and step, and are further adjusted through locality pay depending on the employee’s official duty station.

Jun 25, 2025

As of 2025, many federal retirees are asking the same question: “Should I keep FEGLI after retirement?”

Jun 23, 2025

The Thrift Savings Plan (TSP) is the premier retirement savings program for federal employees and military personnel. With low fees, tax advantages, and diversified investment options, the TSP is a powerful tool for building long-term wealth.

Jun 20, 2025

Retiring early as a federal employee comes with unique benefits and one of the most critical is the Federal Employee Social Security Supplement. Often misunderstood, this supplemental income helps bridge the gap between retirement and Social Security eligibility. But proposed legislation could bring big changes.

Jun 19, 2025

FERS special, also known as the FERS Annuity Supplement or Special Retirement Supplement (SRS), is an additional retirement benefit for certain federal employees who retire before age 62, designed to supplement their income until they are eligible for Social Security benefits.