Federal retirement expert, Chris Kowalik, discusses the new guidance just released by the Thrift Savings Plan (TSP) with respect to the withdrawals and the loan options for participants affected by COVID-19.  Is taking money out of your TSP account under these rules advantageous for you?  Or, are there some hang-ups that you haven't considered?

FedImpact: Candid Insights for Your Federal Retirement

New TSP Withdrawal and Loan Options from CARES Act

Federal retirement expert Chris Kowalik discusses the financial impact of the coronavirus is having on federal employees who are investors in the Thrift Savings Plan. Specifically, she addresses: Is there a reason to panic?  Should you rebalance your TSP because of this market downturn? Are there any weaknesses exposed in TSP when we have a volatile market?

Volatile Market: The TSP and the Coronavirus

Federal benefits expert Chris Kowalik discusses the financial impact recent proposed changes to federal pay, benefits and retirement will have on both federal employees and retirees.   Chris provides insight on the likelihood of whether each of the proposed changes may (or may not) happen -- plus some practical examples of how costly they could be if implemented.

Understanding the Financial Impact of Proposed Benefits Changes for Federal Employees and Retirees

Federal retirement expert, Chris Kowalik, shares the advantages and disadvantages of the Lifecycle Funds (L Funds) within the Thrift Savings Plan .   Key take-ways: What are the Lifecycle Funds -- and how are they different than the other funds in the Thrift Savings Plan? Some important challenges of the L Funds How the mixture of investments in the L Funds changes over time What rate of return investors in the L Funds can expect How L Funds work in the Traditional TSP and Roth TSP Listen to Chris' other podcast episodes or read the transcript on My Federal Retirement

Pros and Cons of TSP Lifecycle (L) Funds

Federal retirement expert, Chris Kowalik, provides some practical insight on how federal employees can prepare for income taxes in retirement.  

Taxes in Retirement

Federal retirement expert, Chris Kowalik, brings some clarity on an often-confusing special type of federal retirement -- deferred retirement -- and some potential significant drawbacks to it.

Is Deferred Retirement A Good Choice?

Federal retirement expert, Chris Kowalik, breaks down how the survivor benefit plan works for federal employee who wish to protect income for someone other than a spouse in retirement.

Survivor Benefits: Children and Insurable Interest

Federal retirement expert, Chris Kowalik, discusses some important considerations on perhaps one of the biggest decisions federal employees nearing retirement have to  make:  the spousal survivor benefits plan

Understanding Spousal Survivor Benefits

Federal retirement expert, Chris Kowalik, provides insight on how federal employees married to one another likely have different choices on some key benefits decisions than employees married to a non-federal spouse. 

Federal Couples: Making Benefits Decisions for Retirement

Federal retirement expert, Chris Kowalik,  provides insight and tips on how the Federal Employees Health Benefits (FEHB) program and Medicare work together in retirement.

How FEHB and Medicare Work Together in Retirement

Federal retirement expert, Chris Kowalik, dispels misconceptions of how the FEHB program works in retirement.

How the Federal Employees Health Benefits Program Works in Retirement

Federal retirement expert, Chris Kowalik, provides some clarity on how some FERS employees who retire prior to age 62 may receive the Special Retirement Supplement

The Ins and Outs of the FERS Special Retirement Supplement

Federal retirement expert, Chris Kowalik, breaks down how part-time service may impact a federal employee's eligibility to retire and the calculation of their pension.

How Part-Time Service Affects Federal Retirement Eligibility and Annuity Calculations

Federal retirement expert, Chris Kowalik, shares important details on the differences between federal employee pay raises and federal retiree cost-of-living adjustments (COLAs) to pensions.

Federal Employee Pay Raises vs. Retiree COLAs

Federal retirement expert, Chris Kowalik, shares how FERS employee who may be considering retiring under MRA+10 retirement rules will be affected by swift penalties.

Retiring Under the MRA+10 Provision

Federal retirement expert, Chris Kowalik, empowers federal employees to make confident decisions as they plan for the days when they no longer have to work. Chris' candid and straightforward nature allows employees to get the answers they need, and to understand the impact these decisions have on their retirement.

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FedImpact: Candid Insights for Your Federal Retirement

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