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Federal Benefit Advisory

FEDERAL AND DHS SHUTDOWN

The shadow of a stalled government looms over a weary nation as the great gears of our democracy once again grind to a halt. This is not the result of a natural disaster or a foreign threat, but a man-made crisis born in the marble halls of our own capital. I am reminded of the

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Federal Benefit Advisory

Things with Expiration dates:

Meat & Social Security As we endure these painful days watching our government shutter its doors—and witnessing the quiet torture of TSA officers working for little more than a “thank you” and IOUs—my mind has naturally turned from our troubled present to a rather grim future. I find myself contemplating that great “Sacred Cow” of

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Federal Benefit Advisory

When the golden years become painful

We often think of retirement as a long-overdue sunset, a time to finally rest. But for many, that horizon is starting to look a bit more like a “silver tsunami”, arriving faster than any of us expected. The reality is that many of our elders are facing a quiet struggle, where fixed incomes like Social

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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

Social Security and the 2032 Deadline

The numbers coming out of Washington tonight suggest that the political calculus of kicking the can down the road has finally met its match in the cold reality of arithmetic. The Social Security Board of Trustees, in their latest financial audit, has moved the day of reckoning for the nation’s primary retirement fund directly into

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Federal Benefit Advisory

14-Page Federal Employee Retirement Report

Navigating federal retirement benefits can be a frustrating journey. While the Office of Personnel Management (OPM) can provide data for a single, specific date, planning with multiple optional dates requires a separate request for each timeline. To bridge this gap, a comprehensive, illustrated report from Federal Benefit Advisory offers a clear roadmap, allowing for accurate

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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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