The United States Postal Service (USPS) announced a temporary suspension of its employer contributions to the defined benefit portion of the Federal Employees Retirement System (FERS), effective April 10, 2026,…
If you’re behind on retirement savings, the goal isn’t perfection. It’s increasing how much you save, starting now. For many Feds, catch-up saving after 50 comes down to three levers:…
Many federal employees treat the Federal Employees’ Group Life Insurance (FEGLI) program as a “set it and forget it” benefit. Early in your career, that approach works because premiums stay…
Two pension checks arriving each month create a dependable income in retirement. That stability helps, but it also means taxes, survivor elections, and health coverage decisions carry more weight.
Federal benefits carry real value. A Federal Employees Retirement System (FERS) pension, Thrift Savings Plan (TSP), and Social Security together form a strong retirement foundation, but taxes determine how much…
Many of our Feds build retirement portfolios heavily around U.S. stocks, often through the Thrift Savings Plan (TSP) C Fund. That approach has worked well, but it creates concentration risk.…
Your pension is steady. Your tax picture can shift from year to year. Withholding too little may lead to a tax bill in the spring and possibly penalties. Withholding too…
Return-to-office changed more than your calendar. It changed the numbers. A house that made sense when you commuted twice a week can look very different when you drive in five…
As a federal government employee, you could take advantage of your minimum retirement age (MRA). If you’re fortunate, the FERS annuity supplement bridges potential income gaps between your MRA and…
High-earning federal employees eventually hit income limits that restrict direct Roth Individual Retirement Account (IRA) contributions. For 2026, single filers must have a modified adjusted gross income (MAGI) of less…