Federal Pension Advice and Insights

Dec 9, 2025

Health coverage is one of the most important parts of a federal retirement plan, yet many employees give it far less attention than their pension or TSP. FEHB is available to most full-time federal workers while they are employed, but only those who meet specific requirements are allowed to keep it in retirement. This is where confusion begins. Employees often assume FEHB automatically carries over, when in reality the rules around enrollment history, retirement type, and timing determine lifelong eligibility.According to OPM, FEHB covers over 8.2 million federal employees, retirees, and dependents, but not everyone in that group qualifies to keep coverage after retirement. We’ve seen many employees overlook key details—such as the five-year rule or the impact of Medicare choices until they’re only months away from retiring. These misunderstandings are common, and addressing them early can prevent costly surprises.

Dec 8, 2025

Losing someone is hard enough. Trying to understand what to do with their retirement accounts in the middle of all that is even harder

Dec 5, 2025

If you’re a federal employee or retiree, FEHB and retirement go hand in hand. In 2025, though, the conversation feels more urgent.

Dec 4, 2025

Federal Benefits Open Season 2025 is your once-a-year chance to clean up, upgrade, or simplify your federal benefits for the 2026 plan year.

Dec 3, 2025

Many federal employees are surprised to learn that they don’t receive traditional short- or long-term disability insurance, especially when private-sector workers often do.

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.