Federal Pension Advice and Insights

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.

Mar 18, 2025

Participants who are 50 years old or turning 50 during 2025 will have any contributions exceeding the elective deferral or annual additions limit automatically redirected to the catch-up limit.

Mar 18, 2025

Retirement is not just about leaving the workforce; it is about stepping into a phase of life where financial security allows you to live with peace of mind.

Mar 17, 2025

Will fers supplement be eliminated ? As of March 17, 2025, the Federal Employees Retirement System (FERS) Supplement remains in effect.

Mar 12, 2025

In recent times, President Donald Trump's policies have sparked discussions among federal employees and the public alike. Rumors of "Trump quit" have circulated, leading many to ask, What is Trump trying to do? However, instead of stepping back, his administration is actively pursuing significant changes aimed at restructuring the federal government. These initiatives have profound implications for federal employees, particularly concerning job security, salaries, and departmental functions.

Mar 7, 2025

The U.S. government has narrowly avoided a 2025 government shutdown after the Senate passed a continuing resolution (CR) late Friday, funding federal operations through September 30, 2025.

Mar 5, 2025

Millions of Americans rely on Social Security benefits, and each year’s Cost-of-Living Adjustment (COLA) is closely watched by retirees and policy analysts alike.

Mar 4, 2025

Imagine dedicating years to public service, navigating policies, and ensuring the nation runs smoothly—only to face uncertainty about your career.

Feb 28, 2025

A Federal Reduction in Force (RIF) is a process used by U.S. federal agencies to eliminate positions and reduce personnel due to factors such as budget constraints, reorganization, lack of work, or other operational needs.