CSRS / FERS Federal Retirement Planning Tools and Resources: Thrift Savings - TSP, FEGLI, FEHB and more.
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1. 2011 Federal Pay Raise
2. FEHB Open Season
3. Best Dates to Retire
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 Directory of Financial Professionals
Use this directory to find a financial professional in your area that specializes in the needs of federal and postal employees. Click here

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Recent Articles
TSP Financial Hardship Withdrawals: The "Real" Cost
Federal employees are making in-service financial hardship withdrawals from their Thrift Savings Plan (TSP) at a greater pace during 2010 compared to previous years. Federal benefits expert, Ed Zurndorfer, discourages federal employees from raiding their TSP accounts for this purpose -- giving insight to the "real" cost and consequences . . . more

2011 Federal Employee Travel Per Diem Rates
GSA has released the 2011 federal employee travel per diem rates, which apply to travel from October 1, 2010 to September 30, 2011 . . . more

How Does the General Schedule (GS) Pay System Work? Raises, Locality Pay and More
With recent major coverage in the national media debating if federal employees are overpaid coupled with rising federal deficits that affect decisions by lawmakers, many My Federal Retirement readers have submitted questions about how the General Schedule (GS) pay system works -- with particular concern in regard to the 2011 federal employee pay raise. To answer some of the most frequently asked questions, here's a fact sheet describing the GS pay structure, promotions, annual pay adjustments, and locality pay . . . more

Why Roll Over Your TSP to a Personal IRA at Retirement?
Certified Financial Planner, L. Ronald Blair, provides 5 practical reasons why federal employees should consider rolling over their Thrift Savings Plan to an IRA when they retire . . . more

8 Ways to Avoid Pitfalls Under the New Rules for Credit Cards
Under the new rules governing credit cards (which took effect August 22, 2010), it's possible consumers could face account changes going forward -- such as interest rate increases on future transactions and the imposition of new fees or penalties . . . more

23% Increase in Federal Employees Receiving Student Loan Repayment Benefits in 2009
Twenty-three percent more federal employees in 2009 received repayment benefits on student loans as in the previous year, according to the Office of Personnel Management's (OPM) annual report to Congress released last week . . . more


Federal Retirement Resources
TSP Loan Calculator: Should You Borrow from Your TSP?
Is a TSP loan a good idea? What will it cost you in the long run? Will it jeopardize your future retirement income? And, if so, by how much? Get pointers plus access two helpful TSP loan calculators to help you make a decision . . . more

50+ Career Guide for Those Considering a Second Career After Federal Service
For a variety of reasons, both federal employees nearing retirement and those already retired are often looking for second career opportunities. This guide provides several insightful articles and resources . . . more

Which TSP Withdrawal Option is Best? [Video]
There are many ways to withdraw your TSP savings, however which one will provide sufficient income throughout your retirement years? Learn how to analyze the the pros and cons of the TSP's monthly withdrawal options . . . more

2010 Federal Tax Withholding Calculator for Federal Employees
How much federal income tax should be withheld from your monthly payment? Use this updated online calculator for 2010 from the Office of Personnel Management . . . more

Federal Retirement Calculator: CSRS / FERS
This highly used software program since 1999 includes more than 80 integrated calculators, a free version for new individual users, and provides a a 50+ page retirement analysis. A professional version of the program is also available to government agencies and financial professionals who want to prepare a comprehensive analysis of federal retirement calculations for their employees or clients . . . more

2010 Federal Leave Chart / Record / Calendar
Keep track of your 2010 leave with this handy calendar -- downloadable in both PDF and Excel spreadsheet formats . . . more


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Featured Columnist
Read articles written by federal benefits expert and Certified Financial Planner, Edward Zurndorfer

Recent Articles & Resources
 TSP Financial Hardship Withdrawals: The "Real" Cost
 2011 Federal Employee Travel Per Diem Rates
 How Does the General Schedule (GS) Pay System Work? Raises, Locality Pay and More