A new GAO report reveals OPM’s Retirement Services office shrank by 165 positions even as the agency raced to clear a record claims backlog. The backlog is falling — but processing times aren’t. Here’s what it means if you’re retiring soon. more…
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Roth Conversions & Your TSP: The Window is Still Open
Two things changed recently that make Roth conversions worth a second look: tax rates are now locked in, and as of January 2026, you can convert traditional TSP funds to Roth directly inside your TSP account — no rollover needed. This piece covers who benefits most from converting (hint: often those in a lower-income window before RMDs kick in), the rules and limits on in-plan conversions, and the tax-payment mistakes to avoid since the TSP can’t withhold taxes for you. more…
The Real Cost of Your TSP RMD (and How to Reduce It)
Your Thrift Savings Plan required minimum distributions can do more than raise your tax bill — it can push up Medicare premiums and make more of your Social Security taxable. Here’s what the rules actually say, and how to plan ahead. more…
Spousal Benefits Upon the Death of a Federal Employee Covered by FERS
Most FERS employees think about survivor benefits in retirement — but what if you pass away while you’re still working? Ed Zurndorfer walks through the two benefits your spouse could receive: a lump-sum death benefit (with a rollover option) and a monthly survivor annuity, with real dollar examples for both. more…
Two Social Security Bills Are Back in Congress — Here’s What They Do (and Don’t Do) for Federal Retirees
Two Social Security bills are making headlines again — one a familiar benefits-and-taxes overhaul, the other a stalled $200/month relief payment. Here’s what’s actually in each bill, and what to watch for in the coming months 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...