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Home | Ed Zurndorfer Articles

Federal Retirement Benefits Articles
by Edward A. Zurndorfer

Edward A. Zurndorfer is a contributing author to My Federal Retirement.

Ed is a Certified Financial Planner (CFP).  an instructor of many federal employee retirement seminars across the country and is an author of numerous books on federal retirement. Ed is also a retired federal employee with 32 years of service at the Department of Commerce, and a former columnist for the Federal Times.

You can receive Ed's columns free by email (which are included in the My Federal Retirement email alerts) by simply entering your email address below:

Federal Employees Should Make Their 2015 TSP Contribution Election Before December 20
Edward A. Zurndorfer, Certified Financial Planner
Ed Zurndorfer discusses why FERS-covered employees should keep the annual elective deferral contribution limit in mind when deciding how much they will contribute to their TSP account each pay period. . . . more
How to Avoid the Biggest Mistakes in Making Beneficiary Designations
Edward A. Zurndorfer, Certified Financial Planner
A complete and comprehensive estate plan includes properly filled out beneficiary designation forms. Federal benefits expert, Ed Zurndorfer, discusses what federal employees need to consider in avoiding the biggest mistakes in making their beneficiary designations . . . more
Recent Surge in the Stock Market and Size of TSP Accounts Has Renewed Interest in Early Retirement
Edward A. Zurndorfer, Certified Financial Planner
Those federal employees who are thinking about retiring at an earlier age need to consider a number of issues before deciding to retire early. Federal benefits expert, Ed Zurndorfer, provides a checklist . . . more
Federal Employees and Annuitants Must Make Important Decisions During Upcoming Benefits Open Season
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses some of the important questions employees and annuitants have to ask during the open season regarding their insurance coverages for the 2015 plan year . . . more
Comparing a Phased Annuitant and a Reemployed Annuitant Part II: FERS
Edward A. Zurndorfer, Certified Financial Planner
The government now has two programs available at many agencies for retiring employees who want to remain in the federal workforce. They are "phased" retirement and "rehired" annuitants. In this column, Federal benefits expert, Ed Zurndorfer, discusses these programs for employees covered by the Federal Employee Retirement System (FERS), including "Trans" FERS employees . . . more
Comparing a Phased Annuitant and a Reemployed Annuitant Part I: CSRS
Edward A. Zurndorfer, Certified Financial Planner
The government now has two programs available at many agencies for retiring employees who want to remain in the federal workforce. They are "phased" retirement and "rehired" annuitants. In this column, Federal benefits expert, Ed Zurndorfer, discusses the benefits of each program for those employees under CSRS and CSRS Offset . . . more
Annuitants Likely to Receive Larger COLA Than Employee Pay Increase For the Second Consecutive Year
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, explains how federal employee pay increases and retiree COLA's are determined . . . more
An Update to Federal Retirement and Insurance Benefits for Same-Sex Married Couples
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, reviews the changes to all federal retirement and other benefit programs resulting from the June 26, 2013 Supreme Court decision striking down the Defense of Marriage Act (DOMA), which was passed into law in 1996 . . . more
Guide to CSRS Offset Retirement Benefits and Rules
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, unravels the complicated rules and benefits of CSRS Offset retirement . . . more
TSP Participants Who Want to Name Non-Spouses as Beneficiaries Should Complete Proper Form
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses what Thrift Savings Plan participants need to do in order to name non-spouses (such as children) as their TSP beneficiary. Also presented is a recent court decision that illustrates why a will is not substitute for a formal beneficiary designation . . . more
CSRS and FERS Survivor Benefits: Lump Sum Credit
Edward A. Zurndorfer, Certified Financial Planner
Federal benefit expert, Ed Zurndorfer, discusses when a lump sum credit of the survivor benefit of a CSRS or FERS annuitant is paid . . . more
Understanding the Rules and Limitations for Receiving a Social Security Lump Sum Payment
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses how the Social Security lump sum option works, its limitations, and for which individuals the option makes sense . . . more
Spousal Benefits Upon the Death of a Former Employee (CSRS or FERS)
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses benefits paid to the surviving spouse of a deceased former federal employee . . . more
Spousal Benefits Upon the Death of a FERS Employee
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses spousal benefits paid to a spouse of a deceased FERS employee . . . more
Spousal Survivor Benefits Paid Upon the Death of a CSRS Employee
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses the spousal survivor benefits paid to a spouse of a CSRS or CSRS Offset employee who dies while still in federal service . . . more
Understanding Survivor Benefits for Federal Employees - Part II (FERS)
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses survivor annuity benefits for a spouse of a deceased FERS annuitant . . . more
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Featured Columnist
Read federal retirement articles written by federal benefits expert and Certified Financial Planner, Edward Zurndorfer

Recent Articles & Resources
 Phased Retirement: An Employee Perspective (Video)
 Roth TSP Contributions for Active Military May Stop Unless They Act by Jan. 31
 Federal Employees Should Make Their 2015 TSP Contribution Election Before December 20
 TSP Issues End-of-Year Processing Schedule for 2014
 How to Avoid the Biggest Mistakes in Making Beneficiary Designations