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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:

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
Many Individuals and Financial Advisors Confused on the Once-Per-Year IRA Rollover Rule
Edward A. Zurndorfer, Certified Financial Planner
Many individual retirement arrangement (IRA) owners and financial advisors are still unfamiliar or perhaps unaware of the once-per-year IRA rollover rule that took effect Jan. 1, 2015. Federal benefits expert, Ed Zurndorfer, discusses the severe tax consequences of violating this rule . . . more
Postponing IRA Contributions Results in Lost Retirement Savings
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, explains the effect of postponing of one's IRA contributions has in the amount of total retirement savings will have at the end of one's working career and at the start of retirement. Other opportunities for enhancing IRAs are also discussed . . . more
Special Considerations for Thrift Savings Plan Withdrawals
Edward A. Zurndorfer, Certified Financial Planner
A real challenge for federal employees is deciding what to do with their TSP accounts once they leave or retire from federal service and can no longer contribute to their TSP accounts. Federal benefits expert, Ed Zurndorfer, discusses some of the special considerations with respect to TSP withdrawals . . . more
TSP Participants Are Tempting Targets for Financial Services Companies
Edward A. Zurndorfer, Certified Financial Planner
Many retiring federal employees are being advised by some financial services companies to rollover or transfer all of their TSP accounts into IRAs -- charging much more in annual fees compared to the TSP stock fund fees . . . more
How TSP Withdrawals Are Taxed
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses the tax consequences TSP participants should consider before making withdrawals . . . more
Some Federal Employees and Annuitants Have Until April 1 to Make Their First Required Minimum Distribution (RMD)
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses some exceptions to RMDs and the most common mistakes . . . more
Over One Million Americans Are Due Refunds on 2011 Federal Tax Returns
Edward A. Zurndorfer, Certified Financial Planner
Federal income tax refunds totaling $1 billion are owed to an estimated 1.1 million Americans who did not file a federal income tax return for 2011 . . . more
How the Federal Government Taxes Civil Service Retirement Benefits (Part I) - CSRS and FERS Annuities
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses how the federal income tax rules apply to Civil Service Retirement System (CSRS) and Federal Employment Retirement System (FERS) annuities received by federal annuitants . . . more
Two 2014 Court Decisions Affect Federal Employees' Treatment of IRAs
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert discusses the two tax-related court decisions during 2014 will affect how federal employees treat their individual retirement arrangements . . . more
What Happens When Excess Contributions Were Made to More Than One Retirement Plan
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses the consequences of an employee contributing more than the elective deferral limit . . . more
Best Dates for CSRS and FERS Employees to Retire During 2015 and 2016
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses the recommended best dates for CSRS and FERS employees to retire during 2016, with an updated discussion for best retirement dates during 2015 . . . more
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
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Featured Columnist
Read federal retirement articles written by federal benefits expert and Certified Financial Planner, Edward Zurndorfer

Recent Articles & Resources
 Thrift Savings Plan Returns: Monthly and Annual - G, F, C, S, I and L Funds Updated: July 2, 2015
 5 Questions to Ask Before Transferring IRA and Retirement Funds To and From the Traditional TSP
 Senate Committee Approves Bill to Stop Wasteful Federal Employee Bonuses
 Largest Federal Employee Union Demands Lifetime Credit Monitoring in Wake of Data Breach
 Congratulations Graduates! Now Comes Your Final Test: How to Manage Your Finances

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