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Federal employees

10 moments for federal employees.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. First federal job

    “New federal employee? Put at least 5% into the TSP from day one to get the full match.”
    Ringtone
    The SF-50 and benefits enrollment
    What's at stake
    Agency matching and FERS rules reward early action.
  2. Choosing FEHB

    “Federal health plans change every November. Re-check yours during open season.”
    Ringtone
    Open season
    What's at stake
    Plan costs and coverage change yearly.
  3. Mid-career TSP check

    “Ten years in and still in the G Fund? Check your TSP allocation today.”
    Ringtone
    The TSP statement
    What's at stake
    Allocation and Roth versus traditional choices compound.
  4. Considering a move to private sector

    “Leaving federal service? Your FERS pension can be deferred. Don't cash it out without checking.”
    Ringtone
    A private sector offer
    What's at stake
    Deferred retirement, refunds and FEHB eligibility depend on the choice.
  5. Five years from MRA

    “Five years from your minimum retirement age? Now is when to run the FERS numbers.”
    Ringtone
    The MRA date
    What's at stake
    MRA, years of service and the FERS supplement shape the plan.
  6. VERA or VSIP offer

    “Your agency is offering early outs and buyouts. You may have weeks to decide.”
    Ringtone
    The VERA/VSIP announcement
    What's at stake
    Early retirement offers have deadlines and permanent effects.
  7. FEGLI review

    “FEGLI gets expensive as you age. Check what you'll keep into retirement.”
    Ringtone
    Turning 50
    What's at stake
    Life insurance costs rise; coverage needs change.
  8. Survivor benefit election

    “At retirement you'll choose a survivor benefit for your spouse. It's permanent.”
    Ringtone
    The retirement application
    What's at stake
    Survivor elections affect pension and FEHB for a spouse.
  9. Retirement application

    “Submitting your retirement application? Expect a delay in your full pension. Plan for it.”
    Ringtone
    OPM retirement paperwork
    What's at stake
    Interim pay and processing backlogs need a cash plan.
  10. TSP withdrawal choices

    “Retired from federal service: how you take the TSP out decides your taxes for years.”
    Ringtone
    The TSP withdrawal form
    What's at stake
    Installments, annuity, rollover and RMDs.

Make a video about one See advisors for federal employees

General education, not financial advice. Check rules and figures against current law before you publish.