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:

Many Federal Employees and Annuitants Are Affected by New Social Security Rules
Edward A. Zurndorfer, Certified Financial Planner - January 26, 2016
Federal benefits expert, Ed Zurndorfer, discusses what the end of "file and suspend" and "restrict an application" means to federal employees, annuitants, as well as to their spouses and families [ MORE ]

Best Dates to Retire for CSRS and FERS Employees During 2016, 2017 and 2018
Edward A. Zurndorfer, Certified Financial Planner - January 04, 2016
Federal benefits expert, Ed Zurndorfer, discusses the best dates for CSRS and FERS employees during 2017 and 2018, with an updated discussion for best retirement dates during 2016 [ MORE ]

December 31st Deadline Approaching for 2015 Nonspousal IRA Beneficiary MRD
Edward A. Zurndorfer, Certified Financial Planner - December 23, 2015
Federal benefits expert, Ed Zurndorfer, discusses the minimum required distributions rules for nonspousal IRA beneficiaries and why these beneficiaries should be aware of the soon-to-be 2015 MRD deadline of December 31, 2015 [ MORE ]

There is Still Time for Federal Employees to Reduce 2015 Taxes and Save Additionally for Retirement
Edward A. Zurndorfer, Certified Financial Planner - December 15, 2015
Federal benefits expert, Ed Zurndorfer, presents some tax-reduction moves and additional retirement saving steps [ MORE ]

All Federal Employees Should Consider Contributing to Some Type of a Flexible Spending Account (FSA)
Edward A. Zurndorfer, Certified Financial Planner - December 04, 2015
Federal benefits expert, Ed Zurndorfer, discusses the health care FSA and the dependent care FSA -- tax-favored programs allowing federal employees to pay for eligible out-of-pocket expenses with pre-tax dollars [ MORE ]

Health Savings Accounts Allow Individuals to Pay for Current Medical Expenses and to Save to Pay for Future Medical Expenses
Edward A. Zurndorfer, Certified Financial Planner - November 30, 2015
Federal benefits expert, Ed Zurndorfer, discusses a way for federal employees to pay current out-of-pocket health expenses and to pay future qualified medical expenses on a before-tax basis, and at the same time save on taxes [ MORE ]

New FEHB Self Plus One Enrollment Option: Who Will It Benefit?
Edward A. Zurndorfer, Certified Financial Planner - November 16, 2015
Federal benefits expert, Ed Zurndorfer, discusses the new self plus one enrollment option for federal employees, including who it will benefit, and any potential health insurance premium savings [ MORE ]

Hedging Against Current and Future Medicare Part B Premium Price Hikes
Edward A. Zurndorfer, Certified Financial Planner - October 28, 2015
Federal benefits expert, Ed Zurndorfer, presents some strategies federal annuitants can use to blunt the impact of Medicare Part B premium increases [ MORE ]

With Recent Stock Market Downturn, Now May Be a Good Time for a Roth IRA Conversion or Recharacterization
Edward A. Zurndorfer, Certified Financial Planner - October 09, 2015
Federal benefits expert, Ed Zurndorfer, explains why now may be a good time for traditional IRA owners to convert some of their traditional IRAs to Roth IRAs and for those traditional IRA owners who converted last year when the stock market was at a higher level, to "recharacterize" their Roth IRA conversions [ MORE ]

Using a Roth IRA Rather Than a Traditional 529 Plan to Save for the Cost of a College Education
Edward A. Zurndorfer, Certified Financial Planner - September 21, 2015
Federal benefits expert, Ed Zurndorfer, answers the question: Why would anyone use a Roth IRA (which is a tax-favored retirement savings account) to save for the cost of a college education when the other two programs are specifically designed for that? [ MORE ]

With No COLA Likely in 2016, Many Social Security Recipients Will See a Net Reduction
Edward A. Zurndorfer, Certified Financial Planner - September 08, 2015
Some annuitants may actually see a net reduction in their CSRS annuities or Social Security retirement benefits in 2016. Federal benefits expert, Ed Zurndorfer, explains how the zero COLA affects Medicare Part B recipients [ MORE ]

Federal Employees Need to Understand Medicare Eligibility and Enrollment Rules - Part III
Edward A. Zurndorfer, Certified Financial Planner - August 13, 2015
Federal benefits expert, Ed Zurndorfer, discusses how higher income federal retirees will be facing larger Medicare Part B premium costs starting in the year 2018 -- and what affected employees and annuitants should be doing to avoid these higher premium costs [ MORE ]

Federal Employees Need to Understand Medicare Eligibility and Enrollment Rules - Part II
Edward A. Zurndorfer, Certified Financial Planner - July 29, 2015
All current federal employees and those employees who have retired since 1993 are, or will be, eligible to enroll in Medicare when they are 65. Federal benefits expert, Ed Zurndorfer, discusses how some Medicare Part B (medical insurance) enrollees may be overpaying their Part B premiums [ MORE ]

Federal Employees Need to Understand Medicare Eligibility and Enrollment Rules - Part I
Edward A. Zurndorfer, Certified Financial Planner
There is much confusion among federal employees about Medicare. Federal benefits expert, Ed Zurndorfer, answers several questions about Medicare basics, including eligibility and enrollment rules [ MORE ]

5 Questions to Ask Before Transferring IRA and Retirement Funds To and From the Traditional TSP
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, presents five questions that TSP participants should ask before transferring traditional IRA and qualified pension funds to and from the traditional TSP [ MORE ]

Congratulations Graduates! Now Comes Your Final Test: How to Manage Your Finances
Edward A. Zurndorfer, Certified Financial Planner
Many federal employees have children who have recently graduated from college. Federal benefits expert, Ed Zurndorfer, provides some recommended steps for recent graduates and newly-hired employees to best manage their finances [ MORE ]

More Articles More Articles