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Federal Benefit Advisory

Fixing a Pension Calculation Glitch

There is an old saying in Washington DC that the wheels of bureaucracy grind slowly, but when they slip entirely, it takes an act of Congress to put them back on track. The House of Representatives has passed a bipartisan bill (H.R. 8732) to fix a pension calculation glitch impacting thousands of federal retirees. The

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The Congressional babies face ANOTHER SHUTDOWN

The federal government is barreling toward another catastrophic midnight deadline, and the political gears in Washington have ground to a bone-crushing halt. As the critical September 30, 2026, deadline looms, a deeply divided Congress is playing a high-stakes game of political chicken with the nation’s pocketbook, just weeks before the November midterm elections. Speaker Mike

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Federal Benefit Advisory

A Soft Landing:

Dreaming About Retirement Imagine sitting at a quiet kitchen table. The coffee is steaming, the house is still, and that clock on the wall feels just a little louder than it used to. You’ve worked so hard, and you’ve finally crossed the finish line. It is a massive achievement. But if we are completely honest

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The View from my office Chair

In my job as a retirement and long-term care planner, clients often treat me as a “father confessor,” a life coach, or just a sounding board when they have no one else to talk to. Over the years, I have noticed a common theme: people are incredibly impatient with their fellow employees, supervisors, family and

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A living Dinosaur discovered in Washington DC:

THE SOCIAL SECURITY TAX EARNINGS TEST An ancient 1935 animal, thought extinct, roams the halls of congress The United States Congress has become a slow, lumbering beast. It is a political INCOMETAXOSAURUS, trapped in the tar pits of congress, stubbornly refusing to evolve even as the modern economic climate changes around it. This total evolutionary

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Federal Benefit Advisory

TSP, can’t take it with me, will my beneficiary get it?

The federal employee, like any other citizen, faces a sobering reality: you cannot take it with you. For the civil servant, the Thrift Savings Plan has long been a fortress of financial security, but tonight we look at the cracks in that fortress. Consider a devoted retiree who spent thirty years building a nest egg

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Federal Benefit Advisory

FEGLI

YOU MAY BE ABLE KEEP A POLICY PERMANETLY, BY A CONVERSION PROCESS, at a REDUCE COST or YOU MAY QUALIFY TO SELL YOUR FEGLI POLICY DO NOT CANCEL BEFORE YOU HAVE LOOKED INTO ALL OPTIONS You’ve reached age 65, and you’re looking at that FEGLI deduction on your retirement check. It’s climbing higher than a Rocky Mountain trail.

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Federal Benefit Advisory

Budget for Retirement

You’ve seen them—the quiet neighbors who always seem to have the time for a morning stroll, whose lawn is a little too perfect. They are the federal retirees. And while most of us see the destination, few truly understand the map it took to get there. Planning for retirement, you see, isn’t something you do

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Federal Benefit Advisory

Retirement.

It’s a serious business. Imagine, if you will, a quiet kitchen table. The coffee is steaming, the house is still, and that clock on the wall… well, it’s ticking just a little louder than it used to. You’ve made it! The finish line has been crossed. But for many, the transition isn’t just a change

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Federal Benefit Advisory

Is My Non-Married Partner Eligible for Federal Survivor Benefits?

As human beings, we all navigate a beautiful and complex web of relationships—some that grace our lives for a season and others that remain for a lifetime. Whether we are driven by deep emotion, financial considerations, a quiet hesitation toward commitment, or a joyful embrace of it, every journey is valid. While some couples celebrate

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Federal Benefit Advisory

Retiring from your Federal Job

For decades, the men and women of our civil service have walked the corridors of government, following a mission. But as many are now finding, reaching what we call the “finish line” is often just the beginning of a new, and perhaps more daunting, journey. Today, there is a clear divide. Some of you find

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