Chris Kowalik discusses the differences between pay raises and federal retiree COLAs — including who gets them, how they are determined, and when they are applied
The Real Impact of TSP Required Minimum Distributions
Chris Kowalik uncovers the real impact RMDs have on your Thrift Savings Plan account value, taxes, other benefits, and your heirs
Deciding When to Take Social Security Benefits
Chris Kowalik breaks down the core components of the Social Security program to understand when, how, and why to start drawing benefits
What If You Die While Employed?
Chris Kowalik walks you through what happens when the unexpected happens, including who can be protected to receive your pension, which benefits are paid out lump-sum, and what to do now to prepare your family
The High-3 Average Salary
Chris Kowalik provides a step-by-step guide to the real way your high-3 is calculated for federal retirement
Your 10-Point Retirement Checklist
Chris Kowalik outlines must-do action items, timelines and step-by-step instructions to be prepared for your retirement
TSP Lifecycle Funds
Chris Kowalik explains why, when, and how to use this Thrift Savings Plan investment strategy
Optimizing Your TSP
Chris Kowalik highlights the important changes to the Thrift Savings Plan and how to leverage them to your advantage
Getting Your ‘Docs’ in a Row
Chris Kowalik offer tips on how to get yourself organized before leaving federal service
The Truth About ‘Water Cooler Experts’
Chris Kowalik reveals the real truth behind why so many federal employees take advice from the “self-appointed office experts” at the proverbial water cooler