Chris Kowalik

Federal retirement expert, Chris Kowalik, discusses the way to avoid one of the penalties associated with MRA+10 rules — plus how MRA+10 affects the FERS Special Retirement Supplement more…

Federal retirement expert, Chris Kowalik, describes how not taking action can negatively affect your retirement more…

Federal retirement expert, Chris Kowalik, discusses the differences between pay raises and COLAs — including who gets them, how they are determined, and when they are applied more…

Federal retirement expert, Chris Kowalik, examines the two parts of Medicare that retiring federal employees should be most concerned about, the pros and cons of having both FEHB and Medicare in retirement, plus three different FEHB and Medicare combinations — and their advantages and disadvantages more…

Federal retirement expert, Chris Kowalik, dispels several misconceptions about how the Federal Employee Health Benefits program works in retirement more…

As you begin planning for retirement, you may be concerned that you’ll miss some critical steps. Federal retirement expert, Chris Kowalik, provides the action items to ensure you’re on track more…

The tax consequences in retirement can be overwhelming when you consider all of the benefits you have available to you. Federal retirement expert, Chris Kowalik, discusses the the tax consequences under
Social Security, FEHB, and the Thrift Savings Plan (TSP) more…

Federal retirement expert, Chris Kowalik, discusses the the tax consequences of the CSRS/FERS pension, survivor benefits, and the FERS Special Retirement Supplement
more…

Federal retirement expert, Chris Kowalik, helps federal employees to understand how beneficiaries work, and what happens if no one is assigned to receive the benefit upon the death of an employee or retiree more…

Federal retirement expert, Chris Kowalik, outlines three potentially significant incentives for FERS employees to wait until the age of 62 to retire — plus some natural by-products of waiting longer to retire. more…