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Being Smart About Your Money... Tax - Smart

How you get taxed and how your money is allocated to various federal benefit programs can impact your net pay right now. It can also impact the income tax return you file every April 15th and your future income, as well as the way it’s taxed, when you retire. That’s why it pays to be “tax-smart” about your money. Download this informative white paper to learn a "tax-smart" approach to retirement planning.


Federal Employees Retirement Guide 2019

Do you have questions about your federal retirement? The 2019 Federal Employees Retirement Guide is updated with the latest contacts, changes and references, and addresses your questions and concerns – whether you are still planning your retirement or retiring this year. It also provides vital information for planning early in your federal career to make the most advantageous decisions for a comfortable retirement, including a checklist in the appendix: The 10 Smartest Things You Can Do As You Approach Retirement.


Your CSRS Retirement 2019

The Civil Service Retirement System (CSRS) is the older of the two retirement systems that cover many federal and postal employees. Most of these employees began working for the federal government or the U.S. Postal Service (USPS) prior to 1984. An employee who retires under CSRS receives a guaranteed lifetime income and cannot outlive their CSRS annuity. Sounds simple right?


Your FERS Retirement 2019

Your FERS Retirement: How to Prepare For It, How to Enjoy It, is a publication written specific for the Federal Employees Retirement System (FERS). Since our first edition in 1992, this guide has been the go-to resource for thousands of federal employees wanting to maximize their FERS retirement by taking appropriate actions ahead of time.


Taxation of Federal Retirement Benefits: 2019

Compared to private retirement plans, the federal government has very generous retirement plans for its federal retirees. They are also complicated, particularly with respect to how the various retirement plans are taxed. Updated for 2018, Taxation of Federal Retirement Benefits helps retirees, annuitants and current federal employees understand how benefits and survivor benefits are taxed upon retirement or death.


Your Thrift Savings Plan 2018

The 2018 Your Thrift Savings Plan includes almost 200 pages of TSP retirement information, including an extensive overview of how the TSP has changed. Our authoritative and easy-to-read guide is packed with charts and summaries to assist all levels of employees—from new or rehired, to mid-career, to those close to retirement.


Your CSRS Retirement 2018

The Civil Service Retirement System (CSRS) is the older of the two retirement systems that cover many federal and postal employees. An employee who retires under CSRS receives a guaranteed lifetime income and cannot outlive their CSRS annuity. Written by recognized federal employee benefits expert Edward Zurndorfer, this guide is used by thousands of federal employees to maximize their CSRS retirement by taking appropriate actions ahead of time.


Your FERS Retirement 2018

Your FERS Retirement: How to Prepare For It, How to Enjoy It, is a publication written specific for the Federal Employees Retirement System (FERS). Since our first edition in 1992, this guide has been the go-to resource for thousands of federal employees wanting to maximize their FERS retirement by taking appropriate actions ahead of time.


Taxation of Federal Retirement Benefits: 2018

Compared to private retirement plans, the federal government has very generous retirement plans for its federal retirees. They are also complicated, particularly with respect to how the various retirement plans are taxed. Updated for 2018, Taxation of Federal Retirement Benefits helps retirees, annuitants and current federal employees understand how benefits and survivor benefits are taxed upon retirement or death.


Optimizing FEHB Health Insurance and Medicare Guide for Federal Employees 2018

One of the most often asked questions made by active or retired federal employees is: “How do the Federal Employees Health Benefits (FEHB) program and Medicare work together?” In addition, many employees and retirees have questions as to how their FEHB program premiums are affected once they enroll in Medicare, how to enroll if they retire after age 65, and which Medicare program is right for them.


Open Season Checklist for Federal Employees

The annual benefits “open season” for federal employees will take place this year from Nov. 13, 2017, through Dec. 11, 2017. As in many past years, employees this year have to make important choices with respect to their health, dental and vision insurance plan coverage.


Retirement Planning for the Last 5 - 10 Years of Employment

Retirees and future retirees face problems that most of their parents and grandparents never encountered. These problems include “longevity risk,” that is, outliving one’s pension income, inadequate and increasingly more expensive health care and long-term care expenses, and unaffordable housing. The Retirement Planning for the Last 5-10 Years of Employment guide is compiled and answered by our editors and benefits experts. Inside are the most frequently posed questions sent to us by federal employees towards the end of their career.

$14.99


Your FERS Retirement (2017)

Your FERS Retirement is the #1 best-selling retirement publication specific to the Federal Employees Retirement System (FERS). Since our first edition in 1992, this guide has been used by thousands of federal employees to maximize their FERS retirement by taking appropriate actions ahead of time.


Your CSRS Retirement (2017)

The Civil Service Retirement System (CSRS) is the older of the two retirement systems that cover many federal and postal employees. Most of these employees began working for the federal government or the U.S. Postal Service (USPS) prior to 1984. An employee who retires under CSRS receives a guaranteed lifetime income and cannot outlive their CSRS annuity. Sounds simple right?


Long-Term Care and Disability Planning for Federal Employees 2016

Many people believe their home is their biggest financial asset. In reality, for most of us, our biggest asset is the ability to work and earn an income. Not being able to work due to a disability is often financially devastating. The risk is real - the question is what to do about it. Federal Soup's Long-Term Care and Disability Planning for Federal Employees serves as a guide for federal employees to best prepare for potential disability and for long-term care.


Estate Planning Guide for Federal Employees

Estate plans are not just for the wealthy – anyone with a bank or credit union account, retirement accounts such as CSRS, FERS or TSP, life insurance policies, or ownership of their home or other property has an estate. It’s essential to plan ahead in case of incapacity or death for an orderly transition of your affairs, and maximum sheltering of your assets against transfer taxes.


How To Manage Your Federal Job Furlough

An administrative furlough is a planned event, initiated by a federal agency, designed to absorb budget reductions resulting from sequestration. The bottom line is your job and paycheck can be impacted by these actions!


Buyouts & Early Outs (2017)

Agencies are again offering both buyouts — also called voluntary separation incentive payments — and early retirements due to cost-cutting pressures, workforce re-alignments, and shrinking federal budgets.


Your Thrift Savings Plan

The Thrift Savings Plan (TSP) is a significant part of most federal employees’ retirement income, including military service members, so it is important to be aware of plan changes and their impact on TSP accounts, as well as understand investment choices in the TSP. Choosing the right TSP funds throughout your career can make an enormous difference in monies available at the start of your retirement.


Taxation of Federal Retirement Benefits 2017

Compared to private retirement plans, the federal government has very generous retirement plans for its federal retirees. They are also complicated, particularly with respect to how the various retirement plans are taxed. Taxation of Federal Retirement Benefits helps retirees, annuitants and current federal employees understand how benefits and survivor benefits are taxed upon retirement or death.


New and Rehired Federal Employee Guide

Newly hired or rehired to a federal position? Our editors and benefits experts have answers to the 50 most frequently asked questions by newly hired federal employees.


Optimizing FEHB Health Insurance and Medicare Guide for Federal Employees 2016

One of the most often asked questions made by active or retired federal employees is: “How do the Federal Employees Health Benefits (FEHB) program and Medicare work together?” In addition, many employees and retirees have questions as to how their FEHB program premiums are affected once they enroll in Medicare, how to enroll if they retire after age 65, and which Medicare program is right for them.


Mid-Career Checkup for Federal Employees

Mid-career employees – those within 10 to 20 years of retirement – face the multiple financial challenges of saving for their retirement through the TSP and IRAs, paying for the college education of their children, and perhaps taking care of their aging parents.


PDF screen shot

Your Thrift Savings Plan

The Thrift Savings Plan (TSP) is a significant part of most federal employees’ retirement income, including military service members, so it is important to be aware of plan changes and their impact on TSP accounts, as well as understand investment choices in the TSP. Choosing the right TSP funds throughout your career can make an enormous difference in monies available at the start of your retirement.


PDF screen shot

Your Thrift Savings Plan

The Thrift Savings Plan (TSP) is a significant part of most federal employees’ retirement income, including military service members, so it is important to be aware of plan changes and their impact on TSP accounts, as well as understand investment choices in the TSP. Choosing the right TSP funds throughout your career can make an enormous difference in monies available at the start of your retirement.


PDF Screenshot

Your FERS Retirement

Your FERS Retirement is the #1 best-selling retirement publication specific to the Federal Employees Retirement System (FERS). Since our first edition in 1992, this guide has been used by thousands of federal employees to maximize their FERS retirement by taking appropriate actions ahead of time. Download our latest edition for step-by-step instructions and expert advice.


Open Season Checklist for Federal Employees

The annual benefits “open season” for federal employees will take place this year from Nov. 9, 2015, through Dec. 14, 2015. As in many past years, employees this year have to make important choices with respect to their health, dental and vision insurance plan coverage.


50 Most Common Benefits Questions Asked by Federal Employees

Questions about the CSRS offset? Wondering if your TSP monthly withdrawals are taxed as earned income? Answers to these top questions and many more are inside 50 Most Common Questions. Compiled and answered by our editors and benefits experts, these are the most frequently posed questions sent to us by federal employees.


Optimizing FEHB Health Insurance and Medicare Guide for Federal Employees 2015

One of the most often asked questions made by active or retired federal employees is: “How do the Federal Employees Health Benefits (FEHB) program and Medicare work together?” In addition, many employees and retirees have questions as to how their FEHB program premiums are affected once they enroll in Medicare, how to enroll if they retire after age 65, and which Medicare program is right for them.


Retirement Planning for the Last 5-10 Years of Employment 2015

Retirees and future retirees face problems that most of their parents and grandparents never encountered. These problems include “longevity risk,” that is, outliving one’s pension income, inadequate and increasingly more expensive health care and long-term care expenses, and unaffordable housing. The Retirement Planning for the Last 5-10 Years of Employment guide is compiled and answered by our editors and benefits experts. Inside are the most frequently posed questions sent to us by federal employees towards the end of their career.


50 Most Common Benefits Questions Asked by Federal Employees

Questions about the CSRS offset? Wondering if your TSP monthly withdrawals are taxed as earned income? Answers to these top questions and many more are inside 50 Most Common Questions. Compiled and answered by our editors and benefits experts, these are the most frequently posed questions sent to us by federal employees.


Tax_of_Fed_Benefits

Taxation of Federal Retirement Benefits 2015

Compared to private retirement plans, the federal government has very generous retirement plans for its federal retirees. They are also complicated, particularly with respect to how the various retirement plans are taxed. Taxation of Federal Retirement Benefits helps retirees, annuitants and current federal employees understand how benefits and survivor benefits are taxed upon retirement or death.


fed

Your CSRS Retirement

The Civil Service Retirement System (CSRS) is the older of the two retirement systems that cover many federal and postal employees. Most of these employees began working for the federal government or the U.S. Postal Service (USPS) prior to 1984. An employee who retires under CSRS receives a guaranteed lifetime income and cannot outlive their CSRS annuity. Sounds simple right?


Long-Term Care and Disability Planning for Federal Employees 2015

Many people believe their home is their biggest financial asset. In reality, for most of us, our biggest asset is the ability to work and earn an income. Not being able to work due to a disability is often financially devastating. The risk is real - the question is what to do about it. Federal Soup's Long-Term Care and Disability Planning for Federal Employees serves as a guide for federal employees to best prepare for potential disability and for long-term care.


PDF screenshot

Mid-Career Checkup for Federal Employees

Mid-career employees – those within 10 to 20 years of retirement – face the multiple financial challenges of saving for their retirement through the TSP and IRAs, paying for the college education of their children, and perhaps taking care of their aging parents.


PDF screenshot

New and Rehired Federal Employee Guide

Newly hired or rehired to a federal position? Our editors and benefits experts have answers to the 50 most frequently asked questions by newly hired federal employees.


PDF screenshot

Buyouts & Early Outs

Agencies are again offering both buyouts — also called voluntary separation incentive payments — and early retirements due to cost-cutting pressures, workforce re-alignments, and shrinking federal budgets.


PDF screenshot

Estate Planning Guide for Federal Employees

Estate plans are not just for the wealthy – anyone with a bank or credit union account, retirement accounts such as CSRS, FERS or TSP, life insurance policies, or ownership of their home or other property has an estate. It’s essential to plan ahead in case of incapacity or death for an orderly transition of your affairs, and maximum sheltering of your assets against transfer taxes.


PDF screenshot

How To Manage Your Federal Job Furlough

An administrative furlough is a planned event, initiated by a federal agency, designed to absorb budget reductions resulting from sequestration. The bottom line is your job and paycheck can be impacted by these actions!