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Guide to FERS Spousal Survivor Benefits Upon the Death of an Employee or an Annuitant
Edward A. Zurndorfer, CFP
Learn the details of FERS survivor benefits for spouses of deceased employees and retirees. Practical examples are included. . . . more

Guide to CSRS Spousal Survivor Benefits at the Death of an Employee or an Annuitant
Edward A. Zurndorfer, CFP
Learn the details of CSRS survivor benefits for spouses of deceased employees and retirees. Numerous practical examples are included. . . . more

Guide to Federal Retiree COLAs: What Are They and How Are They Calculated?
Edward A. Zurndorfer, CFP
Learn how cost-of-living adjustments are determined for both FERS and CSRS, and where the 2010 COLA currently stands for retirees in light of the rocky economy. Practical examples are included. . . . more

Best Date to Retire - CSRS and FERS: 2009 and 2010
Edward A. Zurndorfer, CFP
Choosing when to retire is one of the most difficult decisions, and 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

What Is a Deposit and When Is It Required? FERS and "Trans" FERS
Edward A. Zurndorfer, CFP
Learn whether a FERS or FERS Transfer covered employee is required to make a deposit to get retirement credit for time served and the important consequences if a deposit is not made. Practical examples are included . . . more

What Is a Deposit and When Is It Required? CSRS and CSRS-Offset
Edward A. Zurndorfer, CFP
Learn whether a CSRS or CSRS-Offset covered employee is required to make a deposit to get retirement credit for time served and the important consequences if a deposit is not made. Practical examples are included . . . more

What Happens to Unused Annual Leave When a Federal Employee Leaves Service?
Edward A. Zurndorfer, CFP
Upon leaving federal service, a federal employee is entitled to a lump-sum payment for any accumulated and unused annual leave . . . more

High-3 Average Salary: What Is It and How Is It Calculated?
Edward A. Zurndorfer, CFP
All retiring federal employees will receive an annuity that is computed based on their length of federal service and their high-three average salaries. Learn what it is, and how it's calculated. Includes helpful examples. . . . more

Important Lessons for TSP Participants Resulting from the 2008 Stock Market Downturn
Edward A. Zurndorfer, CFP
Certified Financial Planner Ed Zurndorfer offers Thrift Savings Plan participants timely recommendations on their investments -- plus tips on how to save more and spend less in 2009. . . . more

Does Repaying Social Security Benefits Make Sense for Federal Employees?
Edward A. Zurndorfer, CFP
Repaying one's Social Security benefits (for those who started to receive Social Security benefits before they attain their full retirement age), could result in a fairly lucrative "nest egg" in the near future. . . . more

Windfall Elimination Provision (WEP) Guide: How the Social Security WEP Affects Federal Retirees & Spouses
Edward A. Zurndorfer, CFP
Learn what the WEP is, why it was created, who is affected, and 3 steps on how to calculate its potential reduction in Social Security benefits. Includes helpful links to other resources, plus a handy chart to determine the maximum monthly amount your benefit may be reduced. . . . more

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