Plain answers to complex retirement questions
Accurate, jargon-free guides on FERS pension, TSP strategy, the MRA+10 reduction, the FERS Supplement, and everything federal employees need to retire with confidence.
How Much Do You Actually Need in Your TSP If You Have a FERS Pension?
The 25x salary rule was built for people with no pension. Federal employees with a FERS annuity need a completely different target number — usually lower than they think, in a specific way.
The TSP G Fund: Your Safest Investment — and Its Hidden Cost
The G Fund is the only investment in the world that gives you Treasury-level yields with zero principal risk. But for most federal employees, it is also the quietest drag on their retirement. Here is what the G Fund actually is, when to use it, and the mistakes that cost people the most.
TSP Withdrawal Options Explained: Lump Sum, Installments, or Annuity — What to Choose
When you retire, you have four ways to access your TSP money — and the wrong choice can cost you tens of thousands in taxes or lock you out of flexibility forever. Here's what each option actually means.
How to Set Your TSP Withdrawal Rate When You Have a FERS Pension
The standard 4% rule was built for people with no pension. Federal employees with a FERS annuity can afford a different approach — but only if you model the interaction correctly.
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