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How Rebalancing Your TSP May Improve Long Term Results

For participants in the Thrift Savings Plan (TSP), it’s more important to focus on tried-and-true disciplines that have worked over time versus what the stock market is currently doing or what the talking heads predict the market will do.  Rebalancing is one such discipline that can potentially reduce risk and increase long term performance, and…

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Breakdown of the New TSP Rules

Effective September 2019, there will be significant changes made to the Thrift Savings Plan (TSP).  These changes will be focused on withdrawal options that have previously lacked flexibility causing many to look for alternative options that offer more accessibility and control to their retirement savings. Here’s a breakdown of the upcoming changes being made to the…

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5 Ways To Build Your Emergency Fund

There’s great comfort in knowing you can weather the most common “financial emergencies” like a new transmission for your car, a trip to the emergency room and even the dreaded AC unit replacement.  It’s important to have an emergency fund in place, but what’s considered a viable amount and how long does it take to build?…

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How To Increase Your FERS Annuity by 10% for Life

Planning for retirement is a significant undertaking, especially for federal employees.  The Federal Employee Retirement System (FERS) offers a robust benefits package which includes an annuity also know as a pension, which is generally considered the most important benefit for retirement income planning.  If you’re in FERS, you can actually lock in a 10% increase to…

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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.…

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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…

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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,…

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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…

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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…

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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,…

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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…

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