A 64-year-old federal employee preparing to retire under FERS faces one of the most important decisions in the retirement ...
It’s time to think about retirement for those of you who didn’t take the Deferred Resignation Program options in 2025 but are getting ready to retire sometime in 2026. Let’s break down the rule that ...
A federal employee with 30 years of service and a $90,000 high-3 average salary receives only $27,000 annually under FERS—just 30% of pre-retirement income. To bridge this gap, employees must navigate ...
With additional education, broader allocation strategies may enter the conversation, allowing individuals to evaluate how ...
TSP is the critical third leg for federal employees after FERS pensions (averaging 30% of pre-retirement income) and Social Security, requiring deliberate allocation away from the conservative G Fund ...