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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:

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
Understanding Survivor Benefits for Federal Employees - Part I (CSRS)
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses spousal benefits available to the spouse of a deceased CSRS or CSRS Offset annuitant . . . more
Federal Employees Should Be Aware of New Rules on IRA Rollovers
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses the consequences of a new US Tax Court for federal employees who own IRAs and who also have Thrift Savings Plan (TSP) accounts and other qualified retirement plans such as 401(k) and 403(b) plans . . . more
Why Some Federal Employees May Want to Keep Their Cash Value Life Insurance Policies in Retirement
Edward A. Zurndorfer, Certified Financial Planner
With their loved ones no longer in need of income protection and the mortgage paid off or nearly paid off, should they "cash out" their cash value life insurance policy or let the policy lapse? . . . more
10 Ways to Get the Most of Social Security Benefits
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, provides 10 suggestions for individuals to get the most of their future Social Security retirement benefits . . . more
Federal Employees Need to Rethink How Much Income They Will Need in Retirement
Edward A. Zurndorfer, Certified Financial Planner
Many financial planners advise clients who are close to retirement to replace at least 70 to 80 percent of their pre-retirement gross salary with pension-type income in order for them to survive financially throughout their retirement years. But new research indicates that the "70 to 80 percent" replacement rule is not applicable for many soon-to-be retirees. Federal benefits expert, Ed Zurndorfer, discusses what this new research means for federal employees, especially those who are within 10 years of their retirement date . . . 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
 Comparing a Phased Annuitant and a Reemployed Annuitant Part I: CSRS
 Federal Employees Health Benefits (FEHB) Premiums to Increase in 2015
 Thrift Savings Plan (TSP) Returns: Monthly and Annual - G, F, C, S, I and L Funds Updated: Octob
 Annuitants Likely to Receive Larger COLA Than Employee Pay Increase For the Second Consecutive Year
 Changes to Federal Flexible Spending Account Program (FSAFEDS) in 2015 Announced