Federal employees preparing for retirement face several connected decisions. When should you leave government service? When should you begin Social Security? Will you continue working? How will your ...

Imagine two federal employees leaving their agencies during the government-wide workforce reductions that began in 2025. One is 62 and has 30 years of federal service. The other is 27 and has been ...

Millions of Social Security recipients and retired federal employees now know how much their retirement payments will increase in 2027. The answer is good news for retirees facing higher prices, ...

If you’ve ever opened an FEHB plan brochure and thought, “Where do I even begin?”, you’re not alone. With dozens of national plans, hundreds of regional options, and brochures that often exceed 100 ...

Blue Cross FEP premiums rise 8.6% to 11% in 2027. See the new rates for Standard, Basic, and FEP Blue Focus, plus how much ...

Now that the Thrift Savings Plan allows Roth in-plan conversions, federal employees and retirees have another way to manage the taxes on their retirement savings. The usual explanation is simple: move ...

For several years, one argument dominated many Roth conversion discussions: Convert now because individual income tax rates were scheduled to increase after 2025. The One Big Beautiful Bill Act, or ...

Federal payroll employment has fallen by 336,000 jobs since January 2025, a decline that far surpasses the shifts seen during Trump’s first term or throughout the four years of the Biden ...

Federal employees spend decades of their professional lives diligently contributing to the Thrift Savings Plan. This effort is driven by the desire to secure a comfortable and stable retirement. Every ...

The Thrift Savings Plan is one of the most critical tools for a comfortable retirement. While you have little control over the exact calculation of your federal pension or Social Security benefits, ...

Retirement cash flow means income lining up with expenses, month after month. (Photo by Ian Smith/FedSmith; edited with AI) Federal employees spend decades building assets. They track their Thrift ...

Imagine you did everything right as a federal employee. You saved well, built up your TSP, earned your FERS pension, and retired with a solid plan. For the first few years, everything feels like it ...