Federal retirement expert, Chris Kowalik, discusses who is eligible for the FLTIP 3.0 version, what options 1.0 and 2.0 participants have, changes in the benefit periods and inflation protection options, and the premium stabilization feature more…
3 Financial Planning Commands Federal Employees Need to Know
Federal retirement expert, Chris Kowalik, describes how not taking action can negatively affect your retirement more…
How Federal Employees Can Prepare for Taxes in Retirement (Part 2)
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…
How Federal Employees Can Prepare for Taxes in Retirement (Part 1)
Federal retirement expert, Chris Kowalik, discusses the the tax consequences of the CSRS/FERS pension, survivor benefits, and the FERS Special Retirement Supplement
more…
Understanding the Financial Impact of Proposed Benefits Changes for Federal Employees and Retirees
Federal retirement expert Chris Kowalik discusses the financial impact recent proposed changes to pay, benefits and retirement could have on both federal employees and retirees. Chris provides insight on the likelihood of whether each of the proposed changes may (or may not) happen — plus some practical examples of how costly they could be if implemented more…
Pros and Cons of TSP Lifecycle Funds
Federal retirement expert, Chris Kowalik, shares the advantages and disadvantages of the Lifecycle Funds within the Thrift Savings Plan more…
How Federal Employees Can Prepare for Taxes in Retirement
Federal retirement expert, Chris Kowalik, provides some practical insight on how federal employees can prepare for income taxes in retirement more…
Is Deferred Retirement A Good Choice?
Federal retirement expert, Chris Kowalik, brings some clarity on an often-confusing special type of federal retirement — deferred retirement — and some potential significant drawbacks to it more…
Survivor Benefits: Children and Insurable Interest
Federal retirement expert, Chris Kowalik, breaks down how the survivor benefit plan works for federal employees who wish to protect income for someone other than a spouse in retirement more…
Understanding Spousal Survivor Benefits
Federal retirement expert, Chris Kowalik, discusses some important considerations on one of the biggest decisions federal employees nearing retirement have to make: the spousal survivor benefits plan more…