Key Takeaways
The FERS Basic Annuity provides a steady, lifelong income that remains the cornerstone of public employee retirement security in 2025.While
Survivor Benefits Sound Generous—Until You Realize What Happens If You Choose Wrong
Key Takeaways
Choosing the wrong survivor benefit election can permanently reduce your pension and leave your spouse or dependent without income security.You can only make changes to your survivo…
Splitting Federal Annuities in Divorce and Why the Process Gets Messier Than Most Couples Expect
Key Takeaways
Federal annuities are often subject to division during divorce, but the rules are highly technical …
FEDVIP Coverage Options That Matter More in Retirement Than You Probably Thought Back in Your 40s
Key Takeaways
FEDVIP dental and vision benefits play a more central role in your overall retirement health planning than many employees expect when they are younger.Costs, coverage details, and c…
Why Law Enforcement Officers Often Rethink Retirement More Than Once Before Finally Signing the Papers
Key Takeaways
Law enforcement retirement decisions are rarely straightforward. You may reconsider your timeline more than once because of financial readiness, eligibility rules, or personal circumstances.
Military Buyback Rules That Civilian Federal Employees Wish They Had Learned Years Earlier in Their Careers
Key Takeaways
Military service credit deposits, commonly known as “buyback,” allow you to count prior active-duty time …