Call Today: 1-877-619-8001

How Feds Can Avoid Overpaying for Life Insurance

Protecting our loved ones from financial burden and hardship is understandably a high priority for many folks. A lot of times this is accomplished through the use of life insurance. The key is to establish the appropriate amount of coverage to protect your family, then research the most cost effective way to provide that safety net.…

Read More

Do IRAs Actually Have Lower Fees than the TSP?

For federal employees approaching retirement, there are a lot of questions and considerations to take into account.  One of the more well-known and frequently asked questions involves the Thrift Savings Plan (TSP), specifically whether you should leave your retirement savings in the TSP or move them to an IRA.   It’s a weighted question and one…

Read More

FEHB and Medicare: How They Work Together for Federal Employees

When you retire there are two important things that you want to know you have covered – a healthy retirement account with adequate money to support you throughout your retirement years, and medical/health coverage that will protect you throughout the years of aging that can often bring on increased medical expenses. Fortunately, for federal employees,…

Read More

What You Should Know & What You Can Do with Your FEGLI Program

When it comes to federal benefits there are a lot of acronyms and it can be a little confusing to understand what each one means and how it impacts your benefits.  One such acronym is FEGLI which stands for Federal Employees’ Group Life Insurance.  It is important for any adult to consider life insurance because…

Read More

Where Will Your TSP Balance Go When You Die?

You work hard for years and save money in your TSP (Thrift Savings Plan) for your retirement from federal service.  If for some reason you die before you retire, or at some point after you retire and there is still money in your TSP account – do you know where it will go?  When you…

Read More

How to Define Federal Retirement Objectives

No matter what age you are or what stage you are at in your career, defining your federal retirement objectives is a critical part of your federal retirement planning.  Sometimes determining how much money you need for retirement can feel like a guessing game.  How can you know what you will need in 20, 30,…

Read More

Federal Retirement – Should You Early Out?

When it comes to retirement from a career working for the federal government, there are a lot of different options.  No two retirements look the same.  People retire at different ages, at different stages of their career, and for a variety of different reasons.  VERA is a term that all federal employees should be familiar…

Read More

3 Tips for TSP Investing

If you are a federal employee, your TSP or Thrift Savings Plan is one component of your retirement benefits provided by the federal government.  The TSP is a defined-contribution retirement savings plan that functions in a similar way that an employee 401k functions in the private sector.  Money can be invested pre-tax or after tax,…

Read More

Contributing Too Much to the TSP Will Reduce Your Match

If you are a FERS employee and you are contributing a significant percentage of your pay to the TSP, this information could save you hundreds, possibly thousands of dollars, in free agency match contributions. As you may know, in 2017 the annual limit on elective deferrals (how much you can contribute in a calendar year)…

Read More

What’s the Real Value of TSP and FERS Annuity?

The majority of federal employees will not retire with a million dollars or more in their Thrift Savings Plan (TSP). In fact, only 1% (varies based on the stock market performance) of federal employees currently have over a million dollars in their TSP.  However, in terms of retirement income there is the potential for federal employees…

Read More