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Market Volatility and Your TSP
If you’ve checked the headlines lately—or your Thrift Savings Plan (TSP) balance—you’ve no doubt seen the market’s concerning trajectory. On April 3, 2025, the stock market saw a sharp decline, with the Dow dropping more than 1,000 points in just one morning. And on April 7, U.S. stocks swung between huge losses and gains in Monday trading. The S&P 500 [...]
Weathering the Storm: How Market Volatility Impacts Retirement & What You Can Do About It
Picture this: Jim and Linda, both 67, just retired after decades of hard work. They planned carefully, saved consistently, and looked forward to enjoying their golden years. But then came a market downturn. Suddenly, their portfolio dropped 20% in a matter of weeks. The income they planned to draw from their investments now seems shaky.* Sound familiar? Market volatility may [...]
Preparing for a Reduction in Force: 12 Things Every Fed Should Do Right Now
Sourced from https://fedimpact.com/preparing-for-a-reduction-in-force-12-things-every-fed-should-do-right-now/ As federal agencies undergo workforce reductions, many employees are left wondering what the next round of the Reduction in Force (RIF) will look like and whether it will impact them. Some of you may be unaffected, while others could face sudden job loss with little to no warning. Many federal employees recently were caught off guard, [...]
Is It Time to Refresh Your Annuity? Here’s Why You Might Consider It
Annuities have long been a cornerstone for those seeking a steady income stream in retirement. However, the financial landscape is ever-evolving, and what worked a few years ago might not be the best fit today. With rising interest rates, inflation concerns, and innovative annuity products entering the market, now might be a great time to reassess your annuity strategy. Capitalizing [...]
How to Support Your Aging Parents Without Sacrificing Your Financial Stability
Supporting your aging parents is one of the most meaningful things you can do—but what happens when their financial needs start to clash with your own? The last thing you want is to jeopardize your own future while trying to help them. Fortunately, with some careful planning, you can strike a balance between generosity and financial health. Have the Money [...]
Is a Roth IRA Conversion in Your Future?
Retirees aiming to reduce their taxes in retirement can benefit from strategic conversions and transfers between traditional and Roth Individual Retirement Accounts (IRAs), especially when considering the timing and financial landscape. Identifying optimal windows for Roth conversions can lead to significant tax advantages and may enhance retirement income. Here are key opportunities to consider: During Market Downturns Market declines can [...]
3 Crucial Federal Retirement Choices
Sourced from https://fedimpact.com/3-crucial-federal-retirement-choices/ There are a lot of moving parts when it comes to your retirement. Many of us become overwhelmed when faced with all of the federal retirement choices and decisions we need to make. Your retirement planning is a series of choices. Some are minor while others can have major consequences on your future and financial [...]
3 General Financial Myths That Could Still Cost You in Retirement
In 4 Retirement Planning Myths That Could Cost You, we tackled some of the most common financial myths that could be costing you money. In this article, we’re going to debunk three more myths about general personal financial management that could still have an impact on your retirement. Myth 1: Once You Create a Financial Plan, You're Set for Life [...]
