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:

Reverse Rollover of IRA and Retirement Assets Could Benefit Many Federal Employees
Edward A. Zurndorfer, Certified Financial Planner - September 26, 2016
Federal benefits expert, Ed Zurndorfer, discusses how a reverse rollover into the TSP is performed and why a reverse rollover many benefit many TSP participants [ MORE ]

TSP Withdrawal Option: Full Withdrawal - TSP Annuity
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses how a TSP annuity works, its advantages and disadvantages, and which TSP participant would likely benefit from purchasing a TSP annuity [ MORE ]

What Every Federal Employee Needs to Know About Estate Planning - Part II
Edward A. Zurndorfer, Certified Financial Planner - September 09, 2016
Federal benefits expert, Ed Zurndorfer, discusses the non-financial aspects to a good estate plan. [ MORE ]

Considerations and Recommendations for the 2016 FEGLI Open Season
Edward A. Zurndorfer, Certified Financial Planner - August 24, 2016
Federal benefits expert, Ed Zurndorfer, provides insight on the Federal Employees Group Life Insurance program before they enroll in it or add to their existing coverage during the open season in September [ MORE ]

What FLTCIP Enrollees Need to Consider Before Sept. 30 Regarding Premium Increases
Edward A. Zurndorfer, Certified Financial Planner - August 09, 2016
Federal benefits expert, Ed Zurndorfer, explains what is behind the Federal Long Term Care Insurance Program premium increases and what policyholders need to consider during the decision period ending Sept. 30, 2016 [ MORE ]

What Every Federal Employee Needs to Know About Estate Planning - Part I
Edward A. Zurndorfer, Certified Financial Planner - July 27, 2016
In the first of two columns, federal benefits expert Ed Zurndorfer discusses why every federal employee should think about how their assets will be disposed of at death -- including personal residences, life insurance, Thrift Savings Plan, IRA funds, non-retirement brokerage accounts, checking and savings accounts and personal items [ MORE ]

TSP Withdrawal Option: Rollover to an IRA
Edward A. Zurndorfer, Certified Financial Planner
After leaving or retiring from federal service, Thrift Savings Plan (TSP) participants should know their options with respect to what they can do with their TSP accounts. Federal benefits expert, Ed Zurndorfer, discusses the option of doing a one time rollover or transfer of a portion or all of one's TSP account to a traditional IRA or to a Roth IRA -- with tips and cautions [ MORE ]

Planning Tips for Federal Retirees During the First Year of Retirement
Edward A. Zurndorfer, Certified Financial Planner - July 07, 2016
Federal benefits expert, Ed Zurndorfer, provides a checklist of things new federal retirees should do during their first year in retirement [ MORE ]

Federal Retirement Planning Checklist: Within One Year of Retirement
Edward A. Zurndorfer, Certified Financial Planner - June 23, 2016
Federal benefits expert, Ed Zurndorfer, provides a number of important actions a federal employee should perform within one year of retirement in order to properly retire on the date he or she wants to -- and without any problems [ MORE ]

TSP Withdrawal Option: One Time Partial Withdrawal
Edward A. Zurndorfer. Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, explores the reasons why those who have separated from federal service might consider making a one-time withdrawal of part of their vested Thrift Savings Plan account balance [ MORE ]

Federal Retirement Planning Checklist: 5-10 Years Prior
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, provides a checklist of the financial and retirement planning issues federal employees should consider within the last 5-10 years of service [ MORE ]

Early Federal Retirement: The Financial Consequences
Edward A. Zurndorfer, Certified Financial Planner
With recent proposals to offer voluntary early federal retirement to eligible employees, federal benefits expert, Ed Zurndorfer, discusses some of the financial consequences of an "early out" retirement [ MORE ]

The New DOL Fiduciary Rule: What It Will Mean to TSP Participants
Edward A. Zurndorfer, Certified Financial Planner - May 31, 2016
Federal benefits expert, Ed Zurndorfer, discusses what the rule could mean to federal employees who participate in the Thrift Savings Plan -- and a potential hitch in the rule that retirement account investors need to be aware of [ MORE ]

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 ]

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 ]

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 ]

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