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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:

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
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
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-reti . . . more
Financial Consequences of a Voluntary Early Retirement
Edward A. Zurndorfer, Certified Financial Planner
With some federal agencies recently announcing authority to offer voluntary early retirement to eligible employees, federal benefits expert, Ed Zurndorfer, discusses some of the financial consequences of an "early out" retirement . . . more
TSP Rollovers to an IRA: 10 Tips that TSP Participants Should Consider
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses 10 important tips for employees in deciding whether to rollover their TSP account to an IRA . . . more
New and Tougher Rules on Reverse Mortgages Take Effect
Edward A. Zurndorfer, Certified Financial Planner
Federal employees age 62 and older and who have equity in their personal residences may be considering a reverse mortgage to help them financially during their retirement. But tougher rules taking effect this month may make it more difficult for some individuals to qualify for a reverse mortgage. Federal benefits expert, Ed Zurndorfer, discusses what a reverse mortgage is, and why a reverse mortgage may not be appropriate for federal employees . . . more
"Hedging" with Respect to Claiming Social Security Benefits
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, explains how the "file and suspend" strategy for claiming Social Security can serve as a "hedge" in the event an individual decides retroactively not to delay receipt of their Social Security retirement benefits . . . more
Financial Issues Facing Federal Annuitants Who Work During Retirement
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Ed Zurndorfer, discusses why federal employees who plan to retire in 2014 and after who decide to return to the workforce need to be aware of several financial issues associated with a "working" retirement . . . 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
 Understanding the Rules and Limitations for Receiving a Social Security Lump Sum Payment
 CSRS and FERS Survivor Benefits: Lump Sum Credit
 Thrift Savings Plan (TSP) Returns: Monthly and Annual - G, F, C, S, I and L Funds Updated: July
 Your TSP Withdrawal Options After Leaving Federal Service
 Spousal Benefits Upon the Death of a Former Employee (CSRS or FERS)