Guide to Children Survivor Benefits Upon the Death of an Employee or an Annuitant
Edward A. Zurndorfer, CFP
Learn how a child qualifies for a monthly survivor benefit, when the child is eligible to receive benefits, and what information must be provided to OPM. Also included are the forms you need and a practical example. [ MORE ]

Proposed Bill Would Give 30,000 Federal Employees Enhanced Retirement Benefits
If passed, the bill would fix an existing loophole in federal law [ MORE ]

Unlike WEP, Little Movement in Congress to Modify Government Pension Offset (GPO)
Edward A. Zurndorfer, Certified Financial Planner - May 19, 2016
Federal benefits expert, Ed Zurndorfer, discusses in more detail what the GPO is, Congress' rationale in passing it into law, and how the GPO affects some federal annuitants [ MORE ]

NARFE Provides Summary, Issue Brief of WEP Reform Bill
The National Active and Retired Federal Employees has long supported the repeal of the Windfall Elimination Provision and Government Pension Offset [ MORE ]

Delaying Retirement and Receipt of Social Security Can Preserve Your TSP Account
Edward A. Zurndorfer, Certified Financial Planner
For federal employees, deciding when to retire, what age to start claiming Social Security retirement benefits, and at what age to start withdrawing their Thrift Savings Plan account involves a complex personal financial analysis. Federal benefits expert Ed Zurndorfer examines how delaying one's retirement date and the start of Social Security retirement benefits can help preserve an employee's TSP account -- minimizing the possibility that he or she "outlives" it [ MORE ]

Bill to Reform the Windfall Elimination Provision Has Good Chance of Becoming Law
Edward A. Zurndorfer, Certified Financial Planner - May 11, 2016
If passed, the law will reduce the Windfall Elimination Provision (WEP) penalty on an affected individual's Social Security benefits. Federal benefits expert, Ed Zurndorfer, discusses the reduction in the WEP penalty as directed in H.R. 711 -- plus reviews what the WEP is, who it affects, and why Congress passed the WEP into law 33 years ago [ MORE ]

Federal Public Safety Employees Can Make Penalty-Free TSP Withdrawals Starting at Age 50
Edward A. Zurndorfer, Certified Financial Planner - May 03, 2016
The Defending Public Safety Employees Retirement Act of 2015 amended the Internal Revenue Code to allow specified federal law enforcement officers, customs and border protection officers, federal firefighters and air traffic controllers who separate from service during or after the year they become age 50 to make withdrawals from the TSP without incurring a 10 percent early withdrawal penalty. Federal benefits expert, Ed Zurndorfer, discusses what the new law means to federal employees who are eligible to take advantage of the new law [ MORE ]

State-By-State Income Tax Treatment Report Released for Federal Retirees
Which states have exemptions for civil service annuities or Social Security? Which have no personal income tax? [ MORE ]

Reasons (Besides Tax Rates) to Convert Traditional IRAs to Roth IRAs
Edward A. Zurndorfer, Certified Financial Planner - April 21, 2016
Federal benefits expert, Ed Zurndorfer, discusses why besides trying to estimate one's future tax bracket and saving on taxes, there are other practical reasons to convert a traditional IRA to a Roth IRA [ MORE ]

8 Strategies for Federal Employees Planning to Retire in the Next 5 Years
Edward A. Zurndorfer, Certified Financial Planner
For many federal employees, their retirement date comes sooner than they may have expected and before they may have had a chance to fully prepare. Federal benefits expert, Ed Zurndorfer, outlines the most common areas that need to be addressed by federal employees who plan to retire within the next five years [ MORE ]

Understanding Your TSP Minimum Distributions
L. Ron Blair, CFP® - April 15, 2016
The author highlights commonly misunderstood information about the Thrift Saving Plan's Roth option required minimum distributions [ MORE ]

New 'Conflict of Interest' Rule Could Affect Financial Advice Given To TSP Investors
The final rule from the Labor Department require all who provide investment advice to retirement plans and IRAs abide by a "fiduciary" standard [ MORE ]

Tax Consequences of TSP Withdrawals: Traditional and Roth
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits and tax expert, Ed Zurndorfer, discusses how the tax treatment of a Thrift Savings Plan participant's withdrawal depends in part on the "type" of money that the participant has in their TSP account -- a traditional (non-Roth) TSP balance, a Roth TSP balance, or both [ MORE ]

Three Extra Days to File Taxes in 2016
Americans nation-wide will get three extra days to file and pay taxes this year due to a holiday in the District of Columbia [ MORE ]

Of the Chasm Between Theory and Practicality in Three Elements Concerning Federal Disability Retirement
Robert R. McGill, Esquire - April 05, 2016
The author discusses what makes for an effective federal disability retirement application [ MORE ]

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