Author Archive

Neil Cain

Pay & Benefits

Delaying Medicare Part B: Why the penalty isn’t always as bad as it sounds

For federal employees with FEHB coverage, the timing of Medicare Part B enrollment can make a bigger difference than the penalty itself.

Pay & Benefits

When 500 companies don't equal diversification: A TSP reality check

Investing your TSP funds in the top 500 U.S. companies may seem safe and straightforward, but that depends on how those investments are weighted.

Pay & Benefits

How part-time work affects your FERS pension

Federal employees considering a shift to part-time hours have several factors to consider when it comes to their retirement benefits.

Pay & Benefits

Why it might be time to look beyond U.S. stocks: A guide for federal retirees

The Thrift Savings Plan offers federal employees the ability to diversify their investments to international markets through the I Fund, which may soon be a popular strategy option.

Pay & Benefits

Estate planning through Revocable Living Trusts: A guide for retirees and government employees

Federal employees can deploy more flexibility in their retirement and estate planning, as well as potentially safeguard assets for their beneficiaries by considering the range of offerings provided by a living trust.

Pay & Benefits

Age gap retirement planning for federal employees: Avoiding the 'Widow’s Penalty,' Medicare planning and more

How to think about the best ways to utilize your retirement and health care benefits when you may be older, or younger, than your spouse.

Pay & Benefits

Don’t get stuck with a tax bill in retirement: The federal retiree's guide to tax withholding 

While tax withholding is automatic while working, retirees face the responsibility of ensuring their income is withheld for federal and state taxes. With that in mind, here are some options to be aware of.

Pay & Benefits

How tariffs and inflation may affect your TSP 

Though the upheaval of tariff policy has riled the markets, here's what to consider for the potential impacts on the federal government’s 401(k)-style retirement savings program.

Pay & Benefits

TSP and Required Minimum Distributions

Rules around these mandatory withdrawals changed under the Secure 2.0 Act.