Insights

Planning to retire at 65? Learn how employer health insurance and Medicare work together, including Part B deadlines, HSA rules, COBRA coverage, and potential penalties.

A will is an important part of an estate plan, but it may not control many of your most significant assets, such as retirement accounts, life insurance, and jointly held property. This article explains why reviewing beneficiary designations and creating a more comprehensive estate plan can help ensure your assets are distributed according to your wishes.

You don’t have to stop working when you start collecting Social Security. But depending on your age and earnings, continuing to work can affect your benefits, taxes, and Medicare costs. Here’s what retirees need to know.

Should federal employees invest outside the TSP? Learn when an IRA makes sense, compare Roth and Traditional options, and maximize retirement savings.

Most people assume Medicare will cover their healthcare costs when they retire. If you retire before 65, you are responsible for finding and funding your own health insurance until Medicare begins. For many people, that coverage comes through the Health Insurance Marketplace, and those costs can be significant enough to affect the shape of an entire retirement income plan.

Most people spend years planning for retirement income. They model withdrawal rates, stress-test portfolios, and carefully sequence which accounts to draw from first. What very few of them plan for is the possibility that earning one dollar too much could cost them thousands. That is exactly what IRMAA does.

For most Americans, the answer is no. Social Security is facing long-term funding challenges, but that does not mean the program is expected to disappear. Even if Congress took no action, payroll taxes would continue to fund a significant portion of scheduled benefits.

If you have spent your career working for the federal government, you already know that your health insurance through the Federal Employees Health Benefits program is one of the most valuable parts of your compensation.