The Thrift Savings Plan has announced the launch date of traditional to Roth in-plan conversions. Here’s what you need to know regarding eligibility, frequency, the pros and cons — and tax consequences more…
Significant Changes to Some FEHB Health Insurance Plans in 2026, OPM Says
Federal employees and retirees should be aware of these changes during the Federal Benefits Open Season which ends Dec. 8. OPM provided answers to frequently asked questions about the plan changes and terminations, and what to do if your plan has been terminated more…
FEHB Cost Saving Ideas and Tips for Federal Retirees & Annuitants
Ed Zurndorfer provides some cost-reducing suggestions for federal annuitants including Federal Employees Health Benefits (FEHB) program health plan premium savings — and savings for those who are (or who are not) enrolled in Medicare Part A and/or Part B. Plus, suggestions of why federal retirees or annuitants should not elect out of the FEHB program. more…
The Strategy of the Survivor Benefit Plan
Chris Kowalik explains the the difference between active employee pay raises and retiree cost-of-living adjustments — and why, when and how they are applied — as well as current projections for 2026’s anticipated pay raises and how newly announced COLAs will be implemented in retirement more…
Your Survivor Benefit Plan vs. Life Insurance
Your federal Survivor Benefit Plan (SBP) is an excellent way to protect a portion of your income for your spouse when you die. But that is all it protects, just a portion. You may want to seek out other solutions to fill in the gaps to meet your retirement goals. Chris Kowalik gives understanding on how the SBP and life insurance work so you can develop a comprehensive strategy for utilizing both, providing you and your spouse with the ultimate income protection. more…