Helping Federal Employees Make Smart Financial Decisions
4 Risks Federal Employees Face In Retirement
As federal employees enter retirement, they cross into foreign territory littered with risks. These risks often fall into four categories, longevity, spending shocks, inflation, and market risk. For most federal employees, saving for retirement was the easy part, and figuring out how to manage these risks when approaching or entering retirement will be much more…
When Can Federal Employees Contribute To A Roth IRA?
Roths are a powerful federal retirement planning tool! Whether it be your Roth TSP or a Roth IRA, these accounts provide tax-free income in retirement, the opportunity to limit the taxation of your Social Security benefits, and no Required Minimum Distributions, to name a few of the perks. But not every federal employee is eligible…
How Federal Employees Can Manage Their TSP In Retirement: The 4 Percent Rule
You’ve worked hard for years, and now it’s time to ride into the sunset, but as retirement nears, you’re faced with the frightening challenge of turning your TSP into a monthly paycheck. Sure, you have your FERS pension and Social Security (or the FERS Supplement), and while these benefits will keep you from ever becoming…
Top 2022 Articles For Federal Employees
I think every federal employee can agree that 2022 was an eventful year. This past year was full of noteworthy events, from huge TSP changes and wild market ups and downs to the approval of the largest COLA in decades. As we reflect on the year, I’ve compiled the top five most-read articles of 2022.…
8 Ways Federal Employees Can Improve Their Finances In The New Year
Given the wild year of market ups and downs paired with inflation we haven’t seen in decades, it’s no wonder many federal employees are eager to improve their finances in the new year. While everyone’s financial situation is different, there are several critical areas that every federal employee should review to improve their finances in…
End-of-Year Tax Planning For Federal Employees: Part 4 Avoiding The Wash Sale
After a year of wild stock market swings and declines, most federal employees have investment accounts that are sitting in the red, and while it’s difficult to watch your account value drop, many find a silver lining in the form of tax savings. The tax strategy many federal employees utilize is tax loss harvesting, an…
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