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FEGLI Clarifications and Coverage Verification

Posted on Saturday, 6th July 2013 by Dennis Damp

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I’ve received many emails over the years from annuitants, spouses of deceased annuitants, and estate executors that weren’t aware of the annuitant’s coverage and/or beneficiaries. A number of annuitants forget what coverage they elected (if any) or who they designated as beneficiary. There are a number of things that you, your spouse, and estate executor […]

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Retirement Challenges & Planning Assistance

Posted on Friday, 17th May 2013 by Dennis Damp

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Many obsess about what they will do in retirement and fear finding out too late – after they retire – that retirement isn’t for them. Most retirees discover early on that their time remains a cherished commodity and you will wonder how you ever worked and got anything done. I’ve been retired going on 9 years […]

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Collecting Social Security While Still Working and CSRS Offset Concerns

Posted on Friday, 12th April 2013 by Dennis Damp

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A site visitor to one of our forums stated that she was 66 and still working and was CSRS offset. A colleague suggested that she think about drawing social security now versus waiting until she retires. Once you reach age 66 you can earn unlimited amounts without reducing your Social Security benefit. She had been […]

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Retirement Seen Through Your Eyes

Posted on Saturday, 6th April 2013 by Paul Risser

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After you leave work, what will your life look like? How do you picture your future? If you are like many baby boomers, your view of retirement is likely pragmatic compared to that of your parents. That doesn’t mean you have to have a “plain vanilla” tomorrow. Even if your retirement savings are not as […]

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TSP Investment Timing and The Retiree’s Dilemma

Posted on Monday, 1st April 2013 by Dennis Damp

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The stock market is up and the DOW stock market index has recovered from its low of 6629 in March of 2009 to over 14,000 recently. Interest rates and yields on CDs, treasuries, and savings have remained historically low. The government has artificially maintaining interest rates well below norm to stimulate the economy and to […]

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The Sequester’s Many Faces – Furloughs, Pay Freeze, & Fewer Resources

Posted on Wednesday, 13th March 2013 by Dennis Damp

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The Sequester has many feds concerned about furloughs, possibly an extended pay freeze, and fewer resources to get the job done.  Retirement applications may also take longer to process if HR specialists are furloughed. The good news is that it isn’t happening overnight and Congress is working to reduce the impact when this kicks in. […]

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A Roth IRA’s Many Benefits

Posted on Sunday, 3rd March 2013 by Paul Risser

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Why do so many people choose them over traditional IRAs? The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced in 1998, its popularity has soared. It has become a fixture in many retirement planning strategies, because it offers savers so many potential advantages. The key argument for going Roth […]

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TSP Annual Statements and Highlights

Posted on Friday, 22nd February 2013 by Dennis Damp

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I received my annual TSP statement several weeks ago and each year I find it informative. It’s a good tool for evaluating your fund’s performance and comparing it to other investments.  The highlights this year pointed out one of the true benefits of the TSP; the low expense ratio that we pay compared to other […]

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