Medicare can now negotiate prices for certain high-cost prescription drugs, but what does that mean for your healthcare costs? Learn how the Medicare Drug Price Negotiation Program works, who may benefit, and what the Supreme Court’s recent decision means for Medicare beneficiaries more…
Main Content
Why Many Federal Employees with a Roth TSP Should Consider Opening a Roth IRA
Many federal employees contribute to the Roth Thrift Savings Plan (Roth TSP), but fewer realize that opening a Roth IRA can provide additional long-term flexibility. Although both accounts offer the potential for tax-free qualified withdrawals, they operate under different IRS rules. This guide explains why maintaining both accounts may strengthen your retirement strategy, how the Roth IRA’s five-year rule differs from the Roth TSP’s, what SECURE 2.0 changed for Roth TSP required minimum distributions, and when a future rollover may make sense. Learn how these two retirement accounts can work together to help you build a more flexible retirement plan. more…
[Checklist] What Every Federal Employee Should Review in Their OPF Before Retirement
Your Official Personnel Folder (OPF) plays an important role in your federal retirement. Learn what documents to review, when to review them, how to identify potential issues before you retire, and download the free OPF Retirement Review Checklist to help make sure your personnel records are complete more…
Understanding Social Security’s Financial Future: A Guide for Federal Employees and Retirees
Social Security isn’t disappearing, but it does face long-term financial challenges. This guide explains what the projected depletion of the trust fund reserves really means, what the 2026 Trustees Report says, and how it could affect federal employees and retirees. more…
FERS High-3 Average Salary: How It’s Calculated and Why It Matters
Your high-3 average salary is one of the most important factors used to calculate your FERS pension — but it’s also one of the most misunderstood. Learn what counts as basic pay, how OPM determines your highest consecutive 36 months of earnings, common mistakes to avoid, and how your high-3 affects your retirement income. Includes practical examples and a free FERS High-3 Estimator Worksheet. more…
10 Most Common Mistakes to Avoid When Purchasing Life Insurance
Ed Zurndorfer outlines errors individuals often make when purchasing and owning a life insurance policy
2025 Health Insurance Plan Options & Comparison Tools
Get the latest the official information online for the 2024 plan year of the Federal Employees Health Benefits (FEHB) program. Dental and vision (FEDVIP) details are also available...
Your Federal Health Benefits & Medicare: Helpful Resources from OPM
The Office of Personnel Management offers several resources for federal employees and retirees regarding Medicare and how it works with the Federal Employees Health Benefits (FEHB) program...
Guide to Federal Retiree COLAs: What Are They and How Are They Calculated?
Understand what the cost-of-living adjustment is, how it is computed, and how it affects CSRS and FERS annuities, survivor annuities, and other federal employee death benefits...
10 Biggest Mistakes Federal Employees Make When Planning for Retirement (and How to Avoid Them)
Learn the 10 biggest federal retirement planning mistakes that many employees make before leaving civil service including CSRS, FERS, Thrift Savings Plan...
Federal Retirement Planning Checklists
Checklists for 5-10 years from retirement, one year away from retirement, and for your first year after retirement...