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Ed Zurndorfer Articles
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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 for the National Institute of
Transition Planning, a weekly columnist for Federal Employees News Digest, an
author of numerous books for 1105 Media's Government Publications Group, and is
the moderator of the Q&A forum on FederalSoup.com. Ed is also a retired
federal employee with 32 years of service at the Department of Commerce, and a
former columnist for 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:
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FERS Supplement and Survivor Benefit Guide (Part I of II)
Edward A. Zurndorfer, Certified Financial Planner
The FERS supplement temporarily provides an additional amount of post-retirement income to a FERS annuitant who retires before age 62. In this guide, federal benefits expert, Ed Zurndorder, provides insight on who qualifies for this benefit, how it is calculated, when it starts, and when it ends (with several practical examples) . . . more
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More TSP Participants Can Transfer Accounts to a Roth IRA in 2010
Edward A. Zurndorfer, Certified Financial Planner
Effective Jan. 1, 2010 owners of a Thrift Savings Plan account are eligible to transfer all or part of those retirement accounts to a Roth IRA. Federal benefits expert Edward Zurndorfer provides insight on the rules and tax considerations . . . more
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Best Dates to Retire - CSRS / FERS: 2011, 2012 and 2013
Edward A. Zurndorfer, Certified Financial Planner
Choosing when to retire is probably one of the most difficult decisions facing an individual during his or her lifetime. For federal employees, choosing the "best" day to retire -- the best day of the month and the best day of the year -- may present yet another additional financial challenge . . . more
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New Law Benefits CSRS Employees With Part Time Service
Edward A. Zurndorfer, Certified Financial Planner
CSRS employees with part time service sometime after April 6, 1986 and who retire after October 27, 2009 will receive a somewhat higher CSRS annuity with the passage of the Defense Authorization Act. Federal benefits expert Ed Zurndorfer provides insight and practical examples on how this is calculated . . . more
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What the New Redeposit Rule Means for FERS Employees
Edward A. Zurndorfer, Certified Financial Planner
The consequence of withdrawing FERS contributions and not having the option of redepositing the contributions has caused much hardship among many FERS employees who have left and returned to federal service. Effective immediately, FERS employees are permitted to make a redeposit of previously withdrawn FERS contributions. Practical examples and calculations are examined by federal benefits expert Ed Zurndorfer . . . more
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Year End Investment and Tax Planning May Be a Challenge for Many Individuals
Edward A. Zurndorfer, Certified Financial Planner
Year-end tax planning may prove to be something other than straightforward. The extreme downturn in the stock market during 2008, the rebound in the stock market during most of 2009, and the uncertain direction of future tax rates are proving to be a challenge for individual investors who are performing year end investment analyses and perhaps rebalancing their non-retirement investment portfolios . . . more
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Now May Be the Time to Undo a 2008 Roth IRA Conversion
Edward A. Zurndorfer, CFP
Many individuals who converted their traditional IRAs to Roth IRAs during 2008 saw their converted Roth IRAs drastically decline in value. They also paid federal and state income taxes on the converted Roth IRAs that are currently worth much less than they were before they were converted. Learn how The Internal Revenue Code (IRC) provides a tax savings -- if not a tax elimination -- opportunity for those who performed Roth IRA conversions during 2008, allowing them to "recharacterize" their Roth IRAs and eliminate the tax liability . . . more
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TSP Loans: What Federal Employees Should Consider
Edward A. Zurndorfer, CFP
More and more Americans are taking out loans against their retirement savings plans due to troubling economic times. Federal employee benefits expert Edward Zurndorfer provides insight on the pros and cons of TSP loans. . . . more
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Guide to CSRS Offset Retirement Benefits and Rules
Edward A. Zurndorfer, CFP
Federal benefits expert, Ed Zurndorfer, unravels the complicated rules and benefits of CSRS Offset retirement. Learn who is categorized as a CSRS Offset employee, how your annuity is calculated in relation to Social Security, and when a potential elimination or reduction of benefits may occur. Includes several practical examples . . . more
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Recent Articles &
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Overview - CSRS
