Ed Zurndorfer provides answers to the frequently asked questions: Why should federal retirees enroll in Medicare? When should they enroll? Is there a late enrollment penalty? Which is “primary” coverage — Medicare or FEHB? more…
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The TSP Mutual Fund Window
Chris Kowalik explains how the latest “upgrade” to Thrift Savings Plan may surprise you: what changes, stays the same, and the fee structure for the new investment options
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How to Fix a Missed Required Minimum Distribution (RMD)
A common mistake made with qualified retirement accounts and traditional IRAs is a missed RMD. Ed Zurndorfer discusses the steps to resolve this issue. Practical examples are included more…
How the TSP Calculates the Required Minimum Distribution (RMD)
Ed Zurndorfer explains how the Thrift Savings Plan calculates the TSP RMD, including the different rules that apply in a TSP participant’s first, second and subsequent distribution calendar years more…
When RMDs Can Be Combined and Taken from One Retirement Account
One of the more challenging and confusing parts of the required minimum distribution rules is understanding when RMDs can be combined and taken from one retirement account. Ed Zurndorfer, in the second of four columns discussing RMDs, discusses “RMD aggregation.” more…