The FY 2021 budget plan is similar to previous proposals in that offers civilian federal workers a smaller January 2021 pay raise of 1%, than the 3% proposed for the uniformed military. It would also…

Nobody likes to think about dying. But it happens whether we prepare for it or not. And if you don’t do some advance planning it can cause even more longer lasting pain and grief, not…

On any given day, the obituary section of almost any big city newspaper may contain the death notice of someone who was retired longer than he or she worked — nice! And on the same…

Stock markets, like people and wine, have good years and not-so-good years. Investors who try to buy low and sell high don’t have very good track records. But people try. Take 2018, please! That year…

Have you had the long term care insurance talk with your spouse or significant other, or your kids? How about with yourself, can you handle a reality check? The opioid crisis and other factors have…

When in doubt, ask Tammy Flanagan. Many feel she wrote the book on federal retirement planning. She was a long-time fed and now operates her own fee-for-service business. Best of all, she’s our guest today…

Today’s Your Turn radio show features Paul Forte and Joan Melanson from Long Term Care Partners Inc. They run the LTC program for the federal government, and they are going to talk about the existing…

So when in doubt and with the deadline fast-approaching the way to guarantee the best coverage is to check out and stick with one of the plans with the highest premiums. If it costs a…

Folks who do their health plan homework between now and Dec. 9 can in many cases save a couple thousand dollars in premiums next year — right off the bat. And/or they can get started…

If wasting a couple-thousand dollars next year is no big deal to you, you can skip this. But if you’d be interested in saving $1,000-$2,000 on your federal health plan in 2020, read on. Walton…

For the past decade — since the end of the 2008-2009 Great Recession — stock market experts have regularly predicted a major correction, a drop of 20% or more in the stock market, each year…

Many federal workers and retirees don’t bother with estate planning. Mostly because they don’t think of themselves, long-time civil servants, as the estate type. Get a will off the internet, get it notarized and all…

Most people know the rule is to buy low, sell high. If you buy that, the problem is knowing when the market has peaked or bottomed out. A growing number of Thrift Savings Plan investors…

December and January are often the best months to retire if you want to maximize your lump sum payment of annual leave that can amount to a “design-your-own buyout.” That’s why the period between Dec.…