retirement planning

  • Add ‘political realities’ to the strikes against retirees

    Although looking back on the first couple of months of 2020 might seem like the Good Old Days, benefits expert Tammy Flanagan said, “It was already destined to be pretty rocky” being an election year and all. But, then, of course, came the coronavirus pandemic.

  • GPO and WEP: The other pandemics!

    Windfall Elimination Provision and Government Pension Offset cost millions of federal and public employees even more millions in dollars of benefits.

  • Lock down survival tip: Measure twice, cut once

    Time in grade and in government doesn’t automatically mean you will be able to maintain a reasonable standard of living once you’ve traded your biweekly pay check for a monthly annuity. 

  • Avoid surprises by preparing for retirement years in advance

    Now that the shock of the stock market correction has settled in, federal retirement benefits specialist Tammy Flanagan said it imperative to calculate what your net retirement annuity income with be.

  • Don’t let coronavirus guarantee poverty in retirement!

    How you can mitigate the sequence of returns risk from minimum required distributions

  • How long will you live? How’s your cash flow?

    For many people nearing retirement, running out of money is one of the top fears. Unless they work for the federal government.

  • Timing your last day at work (Part 2)

    The decision to pull the plug depends on the job, your family situation, health, financial goals and, maybe, whether you’re a glass-half-full versus glass-half-empty type.

  • Planning to work ’til you drop? Why not? (Part 1)

    Some experts in retirement planning believe that many feds with memories of the Great Recession of 2008-2009 are working longer than they have to.

  • Rewards and risks of the G fund

    Most of the 5.8 million workers, retirees and former feds with Thrift Savings Plan accounts have some of their retirement nest eggs in the G fund.

  • G fund: How much is too much?

    Most experts would say it depends on your age, when you plan to retire, and, very important, your risk tolerance.