About Betty Morales
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Betty Morales has been an approved member of the affiliate Network since 20 February 2019
Law Enforcement Officers Get Early Retirement—But These Costly Mistakes Can Erode That Advantage Quickly
Key Takeaways Even with early retirement eligibility, law enforcement officers can lose substantial benefits due to poor timing, missed deadlines,...
Dental and Vision Coverage Under FEDVIP That Retirees Consistently Overlook Until They’re Paying Out-of-Pocket
Key Takeaways Many retirees underestimate the importance of dental and vision coverage under FEDVIP until faced with high out-of-pocket expenses.Reviewing...
Military Buyback Might Sound Smart, But It Doesn’t Always Pay Off Unless You Do the Math First
Key Takeaways Buying back your military service can increase your federal retirement annuity, but it's not always the financially wise...
The Hidden Costs of Special Category Retirement That Few Workers Ever Anticipate Until It’s Too Late
Key Takeaways Special category retirement rules may seem generous on the surface, but they often carry hidden costs that can...
This Year’s Federal Workforce Headlines May Seem Small—But the Policy Changes Aren’t
Key Takeaways Policy updates in 2025 may not dominate headlines, but their long-term effect on your retirement timeline, benefits, and...
If You Haven’t Rebalanced Your TSP Portfolio in the Past Year, You Might Be Off-Track for Retirement
Key Takeaways Failing to rebalance your TSP portfolio regularly, especially after the market volatility of 2024, may leave you exposed...