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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Oct 10, 2024

What Are 2025 IRMAA Brackets - 2024 And 2026

The Income-Related Monthly Adjustment Amount (IRMAA) is an additional fee that certain Medicare beneficiaries may need to pay on their Part B and Part D premiums.

Oct 9, 2024

401 a vs 403 b: Difference And Benefits

Both 401(a) and 403(b) plans serve as retirement savings vehicles to help individuals prepare for their future.

Oct 7, 2024

What Happens To 401k When You Die?

Learn how 401(k) accounts are treated after death. Discover whether beneficiaries pay taxes, how inherited 401(k)s grow, and key rules to maximize your legacy.

Oct 4, 2024

Guide To GS Pay Scale 2025 For Federal Employees

Below is an estimated 2025 GS pay scale increase table for 2025, created by taking the 2024 GS table and applying the anticipated 1.7% salary increase, which will take effect at the beginning of the next calendar year.

Sep 27, 2024

What Is A TPA 401k ?

So, what is a 401(k) TPA? When a company sets up a 401(k) or any retirement plan, who manages it—the employer or the employees? That’s where a third-party administrator steps in. They play a critical role in ensuring the smooth management of your retirement plan.

Sep 27, 2024

Roth IRA vs Roth TSP: Enhance Your Retirement Savings

Both TSPs and IRAs offer Roth options, meaning your contributions are made with after-tax dollars, and withdrawals during retirement are tax-free.

Sep 26, 2024

What Is FERS Annuity Supplement? And Earnings Limit 2024

The FERS Annuity Supplement is a temporary benefit designed for federal employees who retire before the age of 62.

Sep 25, 2024

TSP vs. Roth IRA: What's the Difference?

The Thrift Savings Plan (TSP) is a retirement savings and investment program specifically tailored for federal employees and members of the U.S. military.

Sep 25, 2024

Federal Disability Retirement - What Conditions Qualify For Federal Disability Retirement?

The Federal Employees Retirement System (FERS) provides disability retirement benefits to federal employees who are unable to carry out their job responsibilities due to a disability.

Sep 25, 2024

FERS MRA: Federal Employees Retirement System (FERS) Eligibility And Minimum Retirement Age (MRA)

The Federal Employees Retirement System (FERS) was established in 1986 and came into effect on 1 January 1987.

Sep 24, 2024

What Are TSP Loans and How Do They Work?

The Thrift Savings Plan (TSP) is a retirement savings program designed for federal employees, operating similarly to a 401(k). One benefit of the TSP is the option for eligible participants to take out loans against their savings, often at a lower interest rate compared to other borrowing options.

Sep 23, 2024

Life Insurance for Veterans: A Comprehensive Guide

Life insurance is an essential consideration for veterans, offering peace of mind for you and your loved ones. Whether you're transitioning out of service or planning for the future, understanding the life insurance options available to veterans is crucial. In this guide, we’ll explore different types of life insurance for veterans and explain how basic life insurance fits into your financial plan.