By Jeff Gill
You’ve been hearing about retirement planning and health insurance for years, but then someone mentions long-term care insurance. You pause. "What even is that? Do I need it?"
If you’re a federal employee, the Federal Long Term Care Insurance Program (FLTCIP) might just be one of the ...
By Jeff Gill
Okay, imagine this. You’re retired, enjoying life, and then suddenly, you need help with everyday stuff like getting dressed or making meals. Maybe it’s due to an illness or just getting older. That kind of care—called long-term care—can cost a lot of money. For federal employees, there’s a way to p...
Timing Social Security benefits is like trying to hit a moving target—it depends on your age, financial needs, and future plans. But for federal retirees, the stakes are even higher. Your benefits are part of a bigger retirement picture that includes your FERS pension and TSP savings. Let’s figure o...
Ever wonder who’s behind the scenes managing federal employee retirement accounts and pensions? It’s not a bunch of mysterious figures in a hidden office—well, not entirely. Let’s peel back the curtain and break it down in plain English.
First up, the OPM. Thin...
You’ve been socking away money in your TSP for years, and now the big question is: when can you finally tap into it without Uncle Sam slapping you with a penalty? It’s not just about the rules; it’s about making sure you get the most out of what you’ve saved. Let’s dig into how and when you can acce...
Retirement might feel like a far-off dream, but let’s be honest—it’s creeping up faster than we’d like to admit. And if you’re a federal employee or in the military, the Thrift Savings Plan (TSP) is your secret weapon to make that dream a reality. Let’s break it down and talk about how this thing wo...
By Jeff Gill
Let’s talk about how leave policies—especially unused sick leave—can impact retirement for federal employees. If you’re thinking, “Wait, sick leave matters for retirement?” the answer is a big, resounding yes. It’s one of those sneaky benefits that can make a huge difference if you play your cards r...
By Jeff Gill
Hey there! Let’s talk about something that could save you a decent chunk of change: the Federal Flexible Spending Account Program, or FSAFEDS. If you’ve ever thought, “That sounds boring… I’ll deal with it later,” trust me, you’re not alone. But hang with me—it’s easier than it sounds and totally wo...
Hey there! Let’s have a little heart-to-heart about something that’s not exactly a dinner party topic but is super important: long-term care insurance. Yeah, I know, it’s not the kind of thing you’d chat about over coffee, but if you’re a federal employee, it’s worth thinking about. Trust me, future...
Let’s talk about something most of us love to ignore but is actually a huge deal: retirement planning. Yeah, I know, it sounds about as exciting as watching paint dry, but trust me, your future self is begging you to pay attention to this.
I get it. "Retirement? That’s like, 20, 30 years away! F...
