Long-term care insurance isn’t the only way to prepare for future LTC costs. Ed Zurndofer looks at self-funding as an alternative — the advantages, the key questions to ask about who will provide care, and which accounts (HSAs, brokerage funds, Roth TSP/IRA) make the most sense to tap when the time comes. more…
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Service Computation Dates: Why Your SCD Matters for Federal Retirement
Not all Service Computation Dates are the same — and the one on your SF-50 may not be the one that determines when you can retire. Here’s how to tell which SCD actually applies to you. more…
OPM Retirement Backlog Falls Again in July 2026 — But New Retirees Still Face Long Waits
OPM’s retirement backlog just hit its lowest point since the early-2026 surge — down 62% from its February peak. Here’s what that means if you’re planning to retire soon. more…
Free OPM Data Breach ID Theft Protection Is Expiring — A New Bill Would Make It Permanent
A decade after the OPM data breaches exposed the personal records of millions of federal employees, the free identity theft protection tied to that coverage is expiring — not on one fixed date, but individually, as each person reaches 10 years from their enrollment. A new bill in Congress, the RECOVER PII Act, would replace that temporary coverage with lifetime protection and a higher insurance floor. Here’s what’s ending, what the bill would change, and what to do in the meantime. more…
Need Your SF-50? OPM’s New Online Tool Lets Former Employees Download Their Personnel Records
If you’re retired or separated from federal service, getting a copy of your personnel file used to mean paper forms, a call to your old agency, or a request to the National Personnel Records Center — often with a long wait attached. OPM’s new Document Request Service changes that. Eligible former employees can now request their complete eOPF file, including their SF-50s, entirely online, with records delivered securely by email in most cases. This guide breaks down who qualifies, how the process works, and why it’s worth doing even if you think you already have copies of your key documents. 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...