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19 Things to Cut When Money Gets Tight (Most People Ignore #11)

Your money is getting tight. Prices are going up. And figuring out what to cut back on can feel overwhelming. Here’s what you can do:

Read our list of money-saving strategies


Articles by Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Edward A. Zurndorfer is a CERTIFIED FINANCIAL PLANNER®, Chartered Financial Consultant, Chartered Life Underwriter, Certified Employee Benefits Specialist and Enrolled Agent in Silver Spring, MD and the owner of EZ Accounting and Financial Services, an accounting, tax preparation and financial planning firm also located in Silver Spring, MD. He is a seminar speaker at federal employee retirement seminars throughout the country and has written numerous publications on federal retirement topics.

What Changes in FEHB Enrollment Are Permitted During — and Outside — of Open Season?

November 8, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer, explains some of the confusing ins and outs of enrollment and changes in the Federal Employees Health Benefits program more…

FEHB Enrollment Options and Considerations for 2019 Open Season

October 22, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer, outlines the types of Federal Employees Health Benefits program enrollment available — plus discusses four often-overlooked considerations for making a selection more…

Planning Opportunities for Bequesting the TSP to Non-Spouse Beneficiaries May Get Curtailed

October 21, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer, discusses why non-spouse beneficiaries (such as children, grandchildren or siblings) of TSP participants are not allowed to use the new withdrawal options more…

4 Important Rules That Did NOT Change With the New TSP Withdrawal Options

October 8, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

While the new Thrift Savings Plan withdrawal options allow for more flexibility, federal benefits expert Ed Zurndorfer explains the rules that have not changed more…

Understanding the New Changes to TSP Withdrawal Options – Part 3

September 30, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer discusses the pros and cons of the new rules for withdrawing payments from both traditional and Roth TSP accounts more…

Understanding the New Changes to TSP Withdrawal Options – Part 2

September 23, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer, discusses the new rules and available options to making partial withdrawals from a TSP account — including the advantages and disadvantages. more…

Understanding the New Changes to TSP Withdrawal Options – Part I

September 17, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits expert, Ed Zurndorfer, outlines the the changes to TSP’s installment withdrawals/payments — and discusses the advantages and disadvantages more…

Some Federal Employees, Retirees May Need to Make 2019 Estimated Tax Payments

September 3, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Federal benefits and tax expert, Ed Zurndorfer, discusses who (and why) certain federal employees and annuitants will need to make estimated tax payments this year more…

5 Mid-Year 2019 Retirement Planning Recommendations for Federal Employees and Retirees

July 16, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Many federal employees and retirees are still recuperating from this past tax filing season. Federal benefits expert, Ed Zurndorfer, makes some suggestions for IRA and retirement planning for 2019 and beyond more…

Social Security’s Lump Sum Death Benefit for Eligible Family Members

July 8, 2019 Edward A. Zurndorfer, CERTIFIED FINANCIAL PLANNER®

Social Security

Federal benefits expert, Ed Zurndorfer, discusses what the Social Security lump sum death benefit payment is, who is eligible (and not eligible), and the application procedures more…

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