Estate planning is important for singles, couples or families. Ed Zurndorfer provides ten estate planning documents and strategies that are specifically designed for individuals more…
Recent Articles
Why Exercise Caution in Electing the Social Security Lump Sum Retroactive Benefits Option
There is the option that allows an individual to cease their delay of Social Security benefits, apply for their monthly benefit, and then receive a lump sum payment of retroactive Social Security monthly benefits. Ed Zurndorfer explains this lump sum option, including its advantages and its disadvantages. more…
How Inflation Affects Your Retirement
Chris Kowalik explains why inflation has an impact on more than just devaluing your savings. It affects cost-of-living adjustments (COLAs), your Social Security benefits, your Thrift Savings Plan and other investments more…
New TSP Training Webinars
The Thrift Savings Plan has announced its recent line-up of free training including the topics of TSP contributions, investment funds, loans, withdrawals, and death benefits more…
Some Social Security Beneficiaries May Lose Portion of Benefits Due to Earnings Test
Ed Zurndorfer discusses the Social Security earnings test — including how it is used and which beneficiaries are affected by it. Several practical examples are provided more…
Federal Employees and Retirees Traveling Overseas Should Check Their Health Insurance Coverage
Ed Zurndorfer provides important tips for those who plan to travel overseas. Will FEHB cover your costs? Or will you need to purchase a travel medical insurance policy? more…
Quirks of Waiting Until Full Retirement Age to Claim Social Security Benefits
Ed Zurndorfer outlines some of the challenges federal employees and retirees should be aware of when waiting until they reach FRA to start receiving their monthly Social Security benefits. Practical examples are included more…
How the One Big Beautiful Bill Act Affects Federal Employees and Retirees
Ed Zurndorfer outlines how the new legislation will affect their 2025 federal income taxes and how critical changes could affect tax planning for 2025 and beyond more…
Using QLACs to Minimize TSP RMDs and Create Guaranteed Income
Ed Zurndorfer outlines how federal employees and retirees who have Thrift Savings Plan accounts can use Qualified Longevity Annuity Contracts to reduce required minimum distributions and create guaranteed lifetime income more…
What to Expect From Your Federal Retirement Package
Chris Kowalik gives an overview of what to expect as your retirement application is processed including how you will be paid, what happens to your benefits in retirement, and a checklist to do before leaving federal service more…