Q&A – Which retirement account should I take money from? Question Dear Stephen, We have identified a house which isn’t on the market yet but will be soon. The asking price will probably be 1.5 million and I want to put $650,000 down on it. My question is where/how do I take my money out
Q&A – Should I avoid Medicare Part A just to participate in an HSA? Question Hi Stephen,do you have a blog page or any other reference material that advises fed employees who have HDHP health plans with an HSA and who just turned 65 and who don’t plan to retire for a few years if
How will my Social Security impact my CSRS Offset Pension? CSRS-offset has got to be one of the more obscure, challenging areas of federal retirement. CSRS-offset retirees have a retirement benefit which combines CSRS and Social Security. The CSRS portion, however, will be reduced by the amount of Social Security earned while employed in CSRS-offset.The
Q&A – Should I wait until the market cools off before I invest? Question Good morning Stephen,In our meeting the other week, you advised me to move my TSP out of the L2030 fund and into a more aggressive portfolio, mostly C & S funds. I was thinking, since the stock market is doing well,
Q&A: Tax Withholding on a FERS or CSRS Pension Question Hi Stephen, I’m filling in my retirement paperwork and have a quick question about tax withholding: Federal withholding W-4P: Do you suggest I just have usual federal tax withheld under my “single” status? State withholding: should I elect to NOT have state income tax withheld from
Q&A: Help! I’m enrolled in both Medicare & FEHB and I need to change that. What should I do? Question Hello Stephen, I am currently enrolled Medicare Parts A & B, and seemingly D as well. I also have FEHB. As such, I am paying for two health insurance plans – 299.26/mo by FEHB and $298 by Medicare (through the
Should I front-load money into the TSP in the year I retire? Read my answer to this question from a federal employee about retirement and their TSP
Can excess annual leave (that gets paid lump sum upon the employee’s retirement) be rolled into the TSP or IRA? For federal employees.
Q&A: TriCare and FEHB Question I know FEHB has a 5-year requirement. I currently have TriCare, but want to make sure I satisfy FEHB’s 5-year rule, so I was planning to enroll in FEHB. But then I will be paying for 2 insurances. Do you think it’s worth it? Answer Your TriCare will count toward
Q&A: Is it worth it to enroll in a HDHP plan with the HSA for just 1 year? Question I am not currently in a high deductible plan (HDHP). I am wondering what your thoughts on my changing to one for this coming year, which will be the last year I’ll be able to put
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