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10 Must-Do Action Items to Prepare to Confidently Retire from Federal Service
As you get closer to retiring from federal service, you may become concerned that you’ll miss critical steps in the preparation process. Follow these 10 must-do action items to ensure you’re on track to living the retirement you’ve imagined. Your decision to retire from federal service is a big one — and it is worth spending some time to get [...]
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 an inheritance from a loved one who is no longer with us. But what do we do with it? Receiving an inheritance can [...]
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 need with tasks such as bathing, dressing or eating. Though it isn’t covered by standard health insurance or Medicare, nearly 70% of Americans [...]
How Do I Know If I Need an Estate Plan?
If you’ve ever thought that estate planning is only for the ultra-rich or that you can wait until later in life, you’re not alone. But estate planning is important to consider at any age and is a fundamental part of a comprehensive financial plan. And it’s not just about what happens to your stuff when you’re gone! How can estate [...]
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 bound to happen at some point, and we often have no control over that. However, what we DO have control over is being [...]
How Can I Recession-Proof My Retirement?
When people think about retirement, they often imagine years of relaxation and freedom. But for many retirees and pre-retirees, that vision comes with an underlying concern: what happens if the market takes a downturn? Recessions are an unavoidable part of the economic cycle, and while you can’t control when or how severe they are, you can take steps to prepare. [...]
Will My Income Keep Pace with Inflation?
Retirement is supposed to be the time when you finally get to enjoy the fruits of your hard work. But one of the most common concerns retirees share is whether their income will be enough—not just today, but 10, 15, or even 20 years from now. Inflation doesn’t just raise prices in the short term; it compounds over time, quietly [...]
What Is a Required Minimum Distribution (RMD)?
If you’ve spent decades building up your retirement savings in tax-deferred accounts, you may have heard the term Required Minimum Distribution (RMD). But what exactly does it mean for you, and why is it so important to plan for it? Let’s break it down. What is an RMD? An RMD is the minimum amount you must withdraw each year from [...]
