What to Do with Your Inheritance
As Thanksgiving approaches, many of us take this time to reflect on what we're thankful for. Gratitude for family and good health are usually on the list, but some of us may have the added blessing of [...]
When Should I Plan for Long‑Term Care?
Though no one likes to think about it, as we age, we may not always be able to handle things on our own. When daily activities become too difficult, long-term care helps provide the assistance we may [...]
Why Having Emergency Savings is Vital for Feds
Why Having Emergency Savings is Vital for Feds If you have little-to-no savings that is accessible to you when you need it, a job loss, furlough, or medical emergency could be catastrophic to your finances. Emergencies are [...]
Follow the Bond Market to Better Understand Your Finances
On May 16, 2025, Moody's downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation's rising debt and interest payment burdens. This move follows similar downgrades by S&P in 2011 and Fitch [...]
How Does Inflation Affect Your Retirement?
Defining inflation is simple—it’s when everything becomes more expensive. The reason it happens and how it’s measured, however, is complicated. For many retirees, it begs the question, “Does inflation affect my retirement?” Put simply, the answer is [...]
Think your TSP is like a bank account? Think again! 4 things your TSP is NOT.
As a federal employee, your Thrift Savings Plan (TSP) plays a crucial role in your financial future. Managed wisely, it can help you retire comfortably and with confidence. But using the TSP the wrong way—or for the [...]
What Retirees Need to Know About the New “One Big Beautiful Bill”
President Trump’s newly passed “One Big Beautiful Bill” (OBBB) is making headlines, and retirees might want to pay close attention. Aimed at expanding the 2017 Tax Cuts and Jobs Act (TCJA), this sweeping legislation includes a mix [...]
Claiming Social Security at the Right Time Could Change Your Retirement
For many retirees, Social Security isn’t just a monthly deposit—it’s the foundation of their entire retirement income. But choosing when to claim it isn’t as simple as picking a birthday and signing paperwork. It’s a decision with [...]
“So, the ex gets my dog and my FERS pension?” – Why naming your beneficiary isn’t always a simple thing.
If you’ve ever said, “I do,” it’s more than likely your spouse is the named beneficiary to begin receiving your pension benefits upon your death. On the flip side, single and divorced federal employees have different decisions [...]
4 Key Birthday Milestones in Retirement—and What They Mean for Your Financial Strategy
Birthdays in retirement aren’t just a reason to celebrate—they’re also checkpoints that can unlock new financial opportunities (or trigger important deadlines). From Social Security eligibility to Required Minimum Distributions (RMDs), several key ages mark turning points in [...]
