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:

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 - June 13, 2016
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 ]

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 ]

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 ]

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 ]

Considerations for Choosing the Traditional TSP or the Roth TSP
Edward A. Zurndorfer, Certified Financial Planner
Which TSP account is better suited for your needs? Federal benefits expert, Ed Zurndorfer, discusses some considerations for federal employees in choosing to contribute to the traditional TSP or the Roth TSP option [ MORE ]

First IRA Required Minimum Distribution Deadline is April 1 for Some Federal Employees
Edward A. Zurndorfer, Certified Financial Planner - March 29, 2016
Federal benefits expert, Ed Zurndorfer, discusses the rules for traditional IRAs and how they affect federal employees older than age 70 [ MORE ]

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