Tag: Jeff Spencer

Social Security Rules Are Changing Again—Here’s How Federal Workers Can Prepare for What’s Ahead

Key Takeaways
Social Security changes in 2025 will impact how federal workers plan for retirement, especially those under the FERS and

From Bigger Annuities to No Social Security: The Complex Truth About CSRS

Key Takeaways
CSRS offers larger annuities but excludes Social Security benefits…

Law Enforcement Officers and Early Retirement: What 25 Years of Service Really Gets You

Key Takeaways
If you’re a law enforcement officer, early retirement after 25 years of service offers distinct benefits and unique challenges worth understanding.Pla…

Dividing Benefits After Divorce: What Every Federal Employee Should Know Before It’s Too Late

Key Takeaways
Divorce can significantly impact your federal retirement and employee benefits, making it essential to understand how they’re divided.Legal agreements and proper doc…

Do You Really Need Long-Term Care Insurance? Here’s What Federal Retirees Are Saying

Key Takeaways

Long-term care insurance provi…