How to Optimize Your Thrift Savings Plan (TSP) in a Volatile Market
Most of the Feds we talk with at Serving Those Who Serve consider their Thrift Savings Plan (TSP) to be a critical component of their retirement planning. Recent numbers from…
Celebrating Excellence in Public Service: The 2024 Sammies Awards Honorees
Tens of thousands of U.S. government employees dedicate themselves to assisting the American people each day. Yet their efforts aren’t well-known unless they generate negative headlines or are subject to…
Federal Annuitants Enrolled in Private Medicare Advantage and Medicare, Part B Need to Review Their 2025 Medicare Annual Notice of Change
Federal annuitants over age 65 have choices with regard to Medicare. There are four parts to Medicare. They are: (1) Medicare Part A – Hospital Insurance; (2) Medicare Part B…
What Is the IRS’ “Hypothetical RMD Rule” and How Does the Rule Affect Surviving Spouses?
The recent FEDZONE column entitled “Understanding Spousal IRA Beneficiary Rules” reviewed three IRS regulations concerning the naming of a surviving spouse as the beneficiary of the deceased spouse’s traditional IRA.
Understanding Spousal IRA Beneficiary RMD Rules
This column reviews three important required minimum distribution (RMD) rulings with regard to the naming of a surviving spouse as the beneficiary of the deceased spouse’s traditional IRA.
New IRS Regulations on Year-of-Death RMDs
Much has been written in recent years in financial journals and media outlets about the year-of-death required minimum distribution (RMD). Nevertheless, the rules governing the year-of-death RMD continue to confuse…
IRS Issues Final RMD Rules Under SECURE Act 2.0: What Should Affected Individuals Do?
The SECURE Act became law on January 1, 2020. One of the provisions passed as part of the SECURE Act was regulations on required minimum distributions (RMDs) for inherited IRAs…
Financial Considerations of Owning Two Residences in Retirement – Part III
This is the third of three FEDZONE columns presenting the financial considerations of owning two residences in retirement. This column discusses financial management, considerations when choosing a financial advisor to…
Financial Considerations of Owning Two Residences in Retirement – Part II
This FEDZONE column is the second of three FEDZONE columns presenting the financial considerations of owning two residences in retirement. The first column discussed choosing owning versus renting a second…
Financial Considerations of Owning Two Residences in Retirement – Part I
For most federal retirees, retirement is a time of change. One of those changes is a change in residence. Some federal retirees prefer to live in one location during the…