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Federal Benefit Advisory

Shutdown, an update

February 8, 1926—excuse me, 2026. While the great majority of our federal government has finally stepped back from the brink of a total shutdown, the Department of Homeland Security remains the lone holdout in a city deeply divided. Under the Consolidated Appropriations Act, most of your tax dollars are flowing again through September, but DHS

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Federal Benefit Advisory

Budget and partial shutdown

They say a budget is simply a way of telling your money where to go instead of wondering where it went, but tonight, the halls of our government sit in a humble, uneasy silence. As of this Sunday, February 1st, 2026, we find ourselves in a state of partial paralysis after the clock ran out

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Federal Benefit Advisory

Tuesday, January 27, 2026

3 days countdown to Shutdown In Washington today, the specter of a federal government shutdown has significantly receded, replaced by a rare surge of legislative momentum. With only three days remaining until the January 30 deadline, the House of Representatives has moved to avert a fiscal crisis that many feared would mirror the paralyzing 43-day

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Federal Benefit Advisory

IN FINANCIAL STORMS, WHERE TO FIND A SAFE HARBOR

In 2026, the markets look a lot like a stormy sea. But for those of you looking for a place to drop anchor, there’s a harbor where the water is always still. It’s the TSP G Fund. Now, it doesn’t follow the “giants of industry” or those “tech titans” that make the headlines. No, sir. It

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Federal Benefit Advisory

The Role of Performance Evaluations

When RIF is being considered Every employee undergoes an annual evaluation. These evaluations are critical, as they form the foundation of any potential RIF list. Performance ratings are the paramount factor in the initial stage of identifying a pool of potentially impacted personnel. The Four Key Retention Factors Once the initial performance ratings have established

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Federal Benefit Advisory

WILL the SF-3107 keep you up at night?

The Cyber application and supporting documents  It’s a new day for the civil servant. For decades, the path to a federal sunset was paved with a mountain of paperwork and the scratching of a blue-ink pen. But as of July 15, 2025, that old paper trail has gone the way of the pony express. The

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Federal Benefit Advisory

A Straightforward Guide to Your Federal Retirement

For generations of dedicated public servants, the road to a well-earned retirement was paved with a very specific, monumental stack of paper. At the absolute center of that paper fortress sat Standard Form 3107—the Application for Immediate Retirement under the Federal Employees Retirement System (FERS). It was a form to be treated with immense care,

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Federal Benefit Advisory

A Stolen Timeline

If you look at the glossy brochures coming out of the big financial houses on Wall Street, they will tell you that the United States economy is a marvel of resilience. They use comfortable, scrubbed-clean phrases like “standard market cycle” and “healthy correction” and diversification to describe the terrifying cycles in your retirement account. They

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Federal Benefit Advisory

Then vs Now

How Federal Work Has Changed Twenty-five years ago, as the century turned, the federal workforce stood on what felt like bedrock. In those days, a career in public service was more than just a job; it was a promise of permanence, a “rock-solid” commitment that allowed young families to plan for the long term with

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Federal Benefit Advisory

FEDERAL EMPLOYEES REPORT INVESTMENT SCAM

This is the story of a digital age tragedy, in pursuit of a better return, that big investment gain, the shadowy figure who will ‘ooz’ from their crypts and offer the big brass ring and temptations that many some federal employees have succumbed to. Sadly, our Federal Employee friends were scammed. The story that has

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Federal Benefit Advisory

Update: Federal Employee Long Term Care Insurance plan (FELTCip)

If you have been waiting for or planning on the federal long term care insurance, we have some important, albeit potentially disappointing, news regarding the Federal Long Term Care Insurance Program (FLTCIP) [1]. Right now, you can’t apply for new coverage or increase your existing coverage [1, 2]. The program has been temporarily paused for

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Federal Benefit Advisory

Does AI algorithm outperform your skills?

I’ve been thinking a lot lately about the quiet shift happening all around us in the workplace. You and I have seen so much—we stood as the bedrock of our offices for decades, weathering everything from the first desktop computers to the birth of the internet. But I’ll be honest with you: this new frontier

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