Ed Zurndorfer Articles continued

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FERS Retirement Supplement and Survivor Benefit Guide (Part II of II)
Edward A. Zurndorfer, Certified Financial Planner
In part two of this article, federal benefits expert, Ed Zurndorfer, discusses both the "earnings test" and the survivor benefit associated with the FERS special retirement supplement . . . more

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

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

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

Federal Employees Need to Be Careful in Contributing Their Salaries to the TSP
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Edward Zurndorfer, provides insight for federal employees as they plan their TSP contributions for the upcoming year. The article also includes a worksheet to help FERS employees maximize agency matching contributions . . . more

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

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

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

Time is Running Out on the First-Time Homebuyer Tax Credit
Edward A. Zurndorfer, Certified Financial Planner
Qualifying individuals who purchase a primary residence before Dec. 1, 2009 can claim the tax credit on either their 2008 or 2009 federal tax return . . . more

Voluntary Contribution Program (VCP): Withdrawal Options for CSRS and CSRS-Offset Employees (Part 2 of 2)
Edward A. Zurndorfer, Certified Financial Planner
Federal benefits expert, Edward Zurndorfer, provides insight on the three withdrawal methods for VCP participants, including a rollover to a Roth IRA and annuity options that allow a CSRS or CSRS Offset employee the option to receive an additional CSRS annuity from the Office of Personnel Management. Practical examples are included . . . more

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

Voluntary Contribution Program (VCP): Eligibility, Contributions, Refunds and Procedures for CSRS and CSRS Offset Employees (Part 1 of 2)
Edward A. Zurndorfer, CFP
Learn which employees are eligible to contribute to the VCP, how much an eligible employee can contribute, the interest earned on voluntary contributions, the refund of voluntary contributions, and the procedures governing VCP accounts . . . more

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

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

Understanding "Deferred" and "Postponed" Federal Retirement
Edward A. Zurndorfer, CFP
Federal benefits expert, Ed Zurndorfer, outlines the eligibility requirements, benefits and consequences of taking a deferred or postponed retirement option. Includes practical examples for both CSRS and FERS employees . . . more

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