New Medicare Cards Being Issued: Legitimate CMS Policy or a Scam?
Over the years, senior citizens in the US have been the victim of many scams and fraudulent activities. The Centers for Medicare and Medicaid service (CMS) recently found an issue…
The FEDZONE contains all articles written by Ed Zurndorfer:
A former career Federal employee, Ed has published a staggering 1,200+ separate articles on Federal Benefits and Retirement!
Just “Google” his name, and you are likely to find a plethora of sites that contain his writings. Drawn to its mission to reach, teach
and serve Feds, Serving Those Who Serve is the only financial planning practice with which Ed has chosen to affiliate in over
20 years teaching. In addition to conducting Federal Benefits seminars for Serving Those Who Serve, you can find Ed’s
writings here on our blog in the FedZone, and on Fed-Soup, MyFederalRetirement, FederalNews Radio and NITP. He is a
member of the Maryland Society of Accountants, the National Association of Enrolled Agents, the International Society of
Certified Employee Benefits Specialists, the Financial Planning Association, the National Association of Health Underwriters,
and the Society of Financial Service Professionals. Since 1999, Ed has taught many thousands of Federal employees about
their benefits, in person and at Federal agencies all over the country. Ed is a true national treasure.
Over the years, senior citizens in the US have been the victim of many scams and fraudulent activities. The Centers for Medicare and Medicaid service (CMS) recently found an issue…
In this episode, Ed and Dan break down the new “Trump Accounts” created under the One Big Beautiful Bill Act of 2025 (OBBBA), expected to launch July 4, 2026. These…
An important part of a retiring federal employee’s retirement plan is understanding and planning for survivor benefits when the federal retiree dies. This column discusses and explains the choices that…
The Office of Personnel Management (OPM) has provided an online “retirement quick guide.” The “retirement quick guide” is designed to help recently retired federal employees as to what to expect…
In this episode, Ed and Dan explore a new SECURE 2.0 provision that may allow penalty-free withdrawals from certain qualified retirement plans to help pay long-term care (LTC) insurance premiums.…
A spouse’s death can have devastating financial consequences on the surviving spouse, particularly if the death was sudden and unexpected. This column reviews some of the steps that married federal…
The number of Thrift Savings Plan (TSP) participants with TSP accounts valued $1 million or more has grown significantly over the last five years. The number of TSP millionaires hit…
In this episode, Ed and Dan discuss when it makes sense to amend a federal income tax return and the key rules surrounding IRS Form 1040-X. Millions of taxpayers discover…
Many individuals own IRAs. IRA means one of three things, namely: (1) Individual Retirement Arrangement; (2) Individual Retirement Account; or (3) Individual Retirement Annuity. When most individuals hear IRA, they…
A recent FEDZONE column (Getting Ready for the Start of Trump Accounts in July 2026) discussed Trump Accounts which are expected to start on July 4,2026. Trump Accounts were created…