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Ed Zurndorfer explains who the Office of Personnel Management makes the calculation of a retiring FERS employee’s starting FERS gross annuity at retirement. more…
Recent Articles
How to Avoid the Biggest Mistakes in Making Beneficiary Designations
A complete and comprehensive estate plan includes properly filled out beneficiary designation forms. Ed Zurndorfer discusses what federal employees need to consider in avoiding the 10 biggest mistakes in making their beneficiary designations more…
Thrift Savings Plan RMD and IRA Planning Strategies
The SECURE Act 2.0 resulted in several changes to the Thrift Savings Plan and IRAs. Ed Zurndorfer outlines a number of planning issues surrounding required minimum distributions (RMDs) for both active federal employees and retirees more…
Federal Law Enforcement Officers Retirement
Chris Kowalik breaks down the unique retirement complexities of federal LEOs more…
TSP Updates In-service Age 59.5 Withdrawal Rules
In 2024, the Thrift Savings Plan updated its rules for in-service withdrawals. Ed Zurndorfer outlines the updated rules for TSP participants who make age-based (age 59.5) withdrawals more…
OPM Announces Crack Down on Ineligible FEHB Enrollees
The Office of Personnel Management has new tools to reduce the number of ineligible enrollments in the Federal Employees Health Benefits program more…
TSP Updates Financial Hardship Withdrawal Rules
Thrift Savings Plan updated its rules for in-service withdrawals earlier this year. Ed Zurndorfer discusses the updated TSP rules for financial hardship withdrawals in this part of a two-part series more…
TSP Withdrawal Options
Chris Kowalik outlines how (and when) you can withdraw from your Thrift Savings Plan funds, the limitations on withdrawal options in retirement, and the tax consequences to expect in retirement — both good and bad more…
How to Deal With OPM’s Delay in Retirement Application Processing
Delays in receiving your first full FERS or CSRS annuity check can be 3-10 months. Ed Zurndorfer, provides a checklist of how to expedite your retirement application — plus practical tips on how soon-to-retire employees should prepare for a possible cash flow problem during the early months of retirement more…
Survey of Seniors Indicates Recent Cost-of-Living Adjustment (COLA) is Not Enough
71% of respondents say that an increase in household costs are exceeding the 3.2% COLA they received this year more…