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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Feb 13, 2025

Indexed Universal Life (IUL) vs Annuity: Which is Right for Your Federal Retirement?

When planning for retirement, federal employees often explore various financial tools to secure their future. Two popular options are Indexed Universal Life (IUL) insurance vs annuities.

Feb 12, 2025

Buyout Now or Retirement Later: Which Is the Right Choice?

If you are a federal employee right now, you probably feel the pressure of the ongoing budget impasses and the looming uncertainty. With rising bills and cost-cutting initiatives, it’s becoming clearer that the government might be facing yet another shutdown—something many of us have seen before. The government has labeled over 6 lakh workers as 'non-essential,' meaning they can't work during a funding lapse. Restructuring is underway, with agencies like the new Department of Government Efficiency (DOGE) trying to make things more streamlined. While that sounds great for efficiency, it might also mean downsizing and even forced furloughs for some employees. So, here’s the big question: Should you consider a buyout now or stick it out until retirement? This blog is going to break down the options, what they mean for your benefits, and strategies to help you pick the right choice for your future!

Feb 11, 2025

Trump Tax Plan 2025: What’s Changing for Businesses & Households?

As the expiration of Trump’s current corporate tax laws approaches, discussions about the Trump Tax Plan 2025 are gaining momentum.

Feb 10, 2025

Retirement on Shaky Ground? The Impact of Federal Buyouts

But with the wave of federal buyouts sweeping across agencies, many federal employees and retirees are left wondering about the next.

Feb 10, 2025

Trump Child Tax Credit 2025 - The Future of the Child Tax Credit During Trump's Presidency

Under Code Section 24, taxpayers may claim a credit for each "qualifying child," with phaseouts applying at certain income levels.

Feb 7, 2025

120 Hour Workweek, Buyouts & Burns: Is 'Doge' Sinking Your Financial Planning?

As we enter a new era of government reforms, changes are sweeping across various federal agencies, impacting not only the way the government operates but also how federal employees approach their financial planning.

Feb 4, 2025

Annuity vs 401(k): Which is Right for Your Retirement?

When planning for retirement, you’re faced with an overwhelming number of decisions about how to save, invest, and ultimately draw income during your retirement years. Two commonly discussed options are annuities and 401(k) plans.

Feb 3, 2025

Retirement Planning Boomer Mistakes - (and How to Avoid Them)

Retirement: a time for relaxation, travel, and cherished moments with family. But for many Baby Boomers and seniors, this golden chapter can be overshadowed by unexpected financial challenges.

Jan 31, 2025

At What Age Can i Withdraw From TSP Without Penalty

The Thrift Savings Plan (TSP) recently announced that account holders are no longer required to wait 30 days between withdrawal requests. This change is part of the ongoing implementation of the TSP Modernization Act of 2017, which allowed participants to make withdrawals more frequently than before.