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<th data-start="2071" data-end="2095" data-col-size="sm">Option</th>
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:media="http://search.yahoo.com/mrss/" > <channel> <title>FEBRA</title> <atom:link href="https://gofebra.com/feed/" rel="self" type="application/rss+xml" /> <link>https://gofebra.com</link> <description>Federal benefits, made simple</description> <lastBuildDate>Tue, 03 Jun 2025 05:47:06 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=6.8.1</generator> <image> <url>https://gofebra.com/wp-content/uploads/2024/11/favicon.png</url> <title>FEBRA</title> <link>https://gofebra.com</link> <width>32</width> <height>32</height></image> <item> <title>Retirement from the Post Office: Everything You Need to Know to Leave on Your Terms</title> <link>https://gofebra.com/retirement-from-the-post-office-everything-you-need-to-know-to-leave-on-your-terms/</link> <comments>https://gofebra.com/retirement-from-the-post-office-everything-you-need-to-know-to-leave-on-your-terms/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Fri, 13 Jun 2025 05:46:59 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=3937</guid> <description><![CDATA[Retirement from the post office is a significant milestone—one that comes with complex choices about your pension, health insurance, and retirement savings. Whether you’re covered by FERS or CSRS, planning to retire early, or just trying to understand your options, this guide will walk you through the essentials so you can retire with confidence and […]]]></description> <content:encoded><![CDATA[<p data-start="87" data-end="447">Retirement from the post office is a significant milestone—one that comes with complex choices about your pension, health insurance, and retirement savings. Whether you’re covered by FERS or CSRS, planning to retire early, or just trying to understand your options, this guide will walk you through the essentials so you can retire with confidence and clarity.</p><hr data-start="449" data-end="452" /><h2 data-start="454" data-end="498">When Can You Retire from the Post Office?</h2><p data-start="500" data-end="1189">Your eligibility for retirement from the post office depends on your age, years of service, and which retirement system you’re in—<strong data-start="630" data-end="638">FERS</strong> (Federal Employees Retirement System) or the older <strong data-start="690" data-end="698">CSRS</strong> (Civil Service Retirement System). Most postal employees under FERS can retire with full benefits at their <strong data-start="806" data-end="838">Minimum Retirement Age (MRA)</strong> with at least 30 years of service, at age 60 with 20 years, or at 62 with 5 years. Early retirement options, such as <strong data-start="956" data-end="964">VERA</strong> (Voluntary Early Retirement Authority), may be offered during agency restructuring. If you’re unsure which system you fall under, you can start by reviewing our <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="1126" data-end="1183">CSRS information</a> page.</p><hr data-start="1191" data-end="1194" /><h2 data-start="1196" data-end="1246">What Retirement Systems Cover Postal Employees?</h2><p data-start="1248" data-end="1936">Postal employees are either covered by CSRS (if hired before 1984) or FERS (if hired after 1983). <strong data-start="1346" data-end="1354">FERS</strong> includes three components: a basic annuity, <strong data-start="1399" data-end="1418">Social Security</strong>, and the <strong data-start="1428" data-end="1457">Thrift Savings Plan (TSP)</strong>. <strong data-start="1459" data-end="1467">CSRS</strong>, on the other hand, does not include Social Security but offers a larger annuity. Understanding which system you belong to is the first step in retirement planning, as it directly affects your benefits, contribution options, and income strategy in retirement. FERS employees should familiarize themselves with how TSP contributions factor into long-term financial planning, which we explain in our <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="1866" data-end="1935">Thrift Savings Plan guide</a>.</p><hr data-start="1938" data-end="1941" /><h2 data-start="1943" data-end="1977">How Is Your Pension Calculated?</h2><p data-start="1979" data-end="2240">Your postal retirement pension—also called the <strong data-start="2026" data-end="2043">basic annuity</strong>—is calculated based on your <strong data-start="2072" data-end="2097">high-3 average salary</strong> (the average of your highest-paid 36 consecutive months) and your <strong data-start="2164" data-end="2195">years of creditable service</strong>. For FERS employees, the typical formula is:</p><div class="contain-inline-size rounded-md border-[0.5px] border-token-border-medium relative bg-token-sidebar-surface-primary"><div class="flex items-center text-token-text-secondary px-4 py-2 text-xs font-sans justify-between h-9 bg-token-sidebar-surface-primary dark:bg-token-main-surface-secondary select-none rounded-t-[5px]">High-3 Salary × Years of Service × 1% (or 1.1% if retiring at 62+ with 20+ years)</div></div><p data-start="2333" data-end="2772">CSRS employees have a different formula with a higher benefit multiplier, but without TSP and Social Security. If you’ve worked under both systems, your pension may be calculated using <strong data-start="2518" data-end="2533">CSRS Offset</strong> rules. Regardless of your system, accurate service records and salary history are key to ensuring your annuity is calculated correctly. For more on pension structure, visit our <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="2711" data-end="2771">FERS retirement page</a>.</p><hr data-start="2774" data-end="2777" /><h2 data-start="2779" data-end="2837">What Happens to Your Health Insurance After You Retire?</h2><p data-start="2839" data-end="3517">One of the biggest concerns for those planning retirement from the post office is health insurance. The good news? If you’ve been enrolled in <strong data-start="2981" data-end="3025">FEHB (Federal Employees Health Benefits)</strong> for the five years leading up to retirement, you can keep your coverage. The government continues to pay roughly 70–75% of the premium. Your portion is deducted from your monthly pension. This continuation of coverage provides significant peace of mind, especially when coordinated with Medicare later on. To understand how your life insurance and other coverages are affected, explore our <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="3416" data-end="3516">insurance and supplemental benefits page</a>.</p><hr data-start="3519" data-end="3522" /><h2 data-start="3524" data-end="3591">What Is the Role of the Thrift Savings Plan (TSP) in Retirement?</h2><p data-start="3593" data-end="3866">The <strong data-start="3597" data-end="3620">Thrift Savings Plan</strong> is a major piece of the puzzle for FERS employees retiring from the post office. It’s essentially your 401(k)-style savings account, where you and the USPS contribute during your working years. At retirement, you have several withdrawal options:</p><ul data-start="3868" data-end="3992"><li data-start="3868" data-end="3894"><p data-start="3870" data-end="3894"><strong data-start="3870" data-end="3894">Installment payments</strong></p></li><li data-start="3895" data-end="3937"><p data-start="3897" data-end="3937"><strong data-start="3897" data-end="3937">Partial or full lump sum withdrawals</strong></p></li><li data-start="3938" data-end="3964"><p data-start="3940" data-end="3964"><strong data-start="3940" data-end="3964">TSP-to-IRA rollovers</strong></p></li><li data-start="3965" data-end="3992"><p data-start="3967" data-end="3992"><strong data-start="3967" data-end="3992">TSP annuity purchases</strong></p></li></ul><p data-start="3994" data-end="4254">Because your pension and Social Security may not fully cover your retirement income needs, strategic use of your TSP can make a significant difference. Learn how to use this benefit to your advantage on our <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="4201" data-end="4253">TSP page</a>.</p><hr data-start="4256" data-end="4259" /><h2 data-start="4261" data-end="4306">Can You Retire Early from the Post Office?</h2><p data-start="4308" data-end="4912">Yes, early retirement from the post office is possible under certain conditions. If USPS offers <strong data-start="4404" data-end="4412">VERA</strong> (Voluntary Early Retirement Authority), you may be able to retire before your MRA without penalty. Otherwise, early retirement comes with <strong data-start="4551" data-end="4579">reduced annuity payments</strong>. For FERS retirees, leaving before age 62 may also affect your eligibility for the <strong data-start="4663" data-end="4693">Social Security supplement</strong>, a temporary benefit designed to bridge the gap between retirement and Social Security eligibility. To explore early retirement strategies, check out our general <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4856" data-end="4911">retirement resources</a>.</p><hr data-start="4914" data-end="4917" /><h2 data-start="4919" data-end="4980">What Is the Social Security Supplement and Do You Qualify?</h2><p data-start="4982" data-end="5671">If you’re under <strong data-start="4998" data-end="5006">FERS</strong> and retire before age 62 with an immediate annuity (not deferred), you may qualify for the <strong data-start="5098" data-end="5133">Social Security FERS Supplement</strong>. This benefit is designed to mimic the Social Security income you’d receive at 62, but it stops once you reach that age. The supplement is especially helpful for postal employees retiring in their late 50s or early 60s. However, it is subject to an earnings test—if you earn too much from a post-retirement job, your supplement could be reduced or eliminated. This makes it critical to include it in your planning strategy early. For personal guidance on this, connect with one of our <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5619" data-end="5670">retirement experts</a>.</p><p data-start="4982" data-end="5671"><img fetchpriority="high" decoding="async" class="size-full wp-image-3939 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834.jpg" alt="retirement from the post office" width="1279" height="854" srcset="https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834.jpg 1279w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834-1024x684.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834-768x513.jpg 768w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-8815834-600x401.jpg 600w" sizes="(max-width: 1279px) 100vw, 1279px" /></p><hr data-start="5673" data-end="5676" /><h2 data-start="5678" data-end="5735">What Should You Do About Life Insurance in Retirement?</h2><p data-start="5737" data-end="6388">Many postal employees carry <strong data-start="5765" data-end="5816">FEGLI (Federal Employees’ Group Life Insurance)</strong> during their careers. Upon retirement, you may keep Basic FEGLI and even some optional coverage, depending on your elections and how long you’ve had the policy. However, premiums for Optional coverage increase significantly with age, and many retirees opt to cancel or reduce this coverage. It’s important to assess whether you still need life insurance in retirement and if FEGLI is still cost-effective for your needs. For a breakdown of these choices, revisit our <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="6284" data-end="6387">insurance and supplemental benefits section</a>.</p><hr data-start="6390" data-end="6393" /><h2 data-start="6395" data-end="6436">What About Your Annual and Sick Leave?</h2><p data-start="6438" data-end="6992">When you retire from the post office, you will receive a <strong data-start="6495" data-end="6539">lump sum payment for unused annual leave</strong>, based on your current hourly rate. This is a one-time payment that can help bridge the income gap while waiting for your first annuity check. <strong data-start="6683" data-end="6697">Sick leave</strong>, on the other hand, is not paid out but <strong data-start="6738" data-end="6775">credited toward your service time</strong>, effectively increasing your pension amount. For every 174 hours of sick leave, you earn an additional month of service credit. Properly managing your leave balances before retirement can help maximize your benefits.</p><hr data-start="6994" data-end="6997" /><h2 data-start="6999" data-end="7062">Where Can You Get Help Planning Your Post Office Retirement?</h2><p data-start="7064" data-end="7552">Navigating retirement from the post office can be complex, especially when balancing multiple benefit systems, early retirement options, insurance coverage, and financial planning. That’s where FEBRA comes in. We offer personalized guidance to federal employees—including USPS workers—so you can retire with a full understanding of your options. Whether you’re five years out or just starting to think about retirement, <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7484" data-end="7536">schedule a free consultation</a> to get started.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/retirement-from-the-post-office-everything-you-need-to-know-to-leave-on-your-terms/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>FERS Annuity Survivor Benefits: What They Are and Why You Can’t Afford to Ignore Them</title> <link>https://gofebra.com/fers-annuity-survivor-benefits-what-they-are-and-why-you-cant-afford-to-ignore-them/</link> <comments>https://gofebra.com/fers-annuity-survivor-benefits-what-they-are-and-why-you-cant-afford-to-ignore-them/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Thu, 12 Jun 2025 05:46:44 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=3942</guid> <description><![CDATA[FERS annuity survivor benefits are one of the most important—and often misunderstood—components of your federal retirement package. They determine what happens to your pension after you pass away, and the decisions you make at retirement can permanently affect your spouse or loved ones’ financial security. In this article, we’ll explore how these benefits work, who […]]]></description> <content:encoded><![CDATA[<p data-start="89" data-end="532">FERS annuity survivor benefits are one of the most important—and often misunderstood—components of your federal retirement package. They determine what happens to your pension after you pass away, and the decisions you make at retirement can permanently affect your spouse or loved ones’ financial security. In this article, we’ll explore how these benefits work, who they protect, and why they matter more than most federal employees realize.</p><hr data-start="534" data-end="537" /><h2 data-start="539" data-end="582">What Are FERS Annuity Survivor Benefits?</h2><p data-start="584" data-end="1228">FERS annuity survivor benefits provide continuing income to your spouse or designated survivor after your death. When you retire under the Federal Employees Retirement System (FERS), you have the option to elect a survivor benefit. This election reduces your monthly annuity, but in return, your spouse receives a portion of your pension for life if you pass away. The Office of Personnel Management (OPM) administers these benefits to ensure your family isn’t left financially vulnerable. You can learn more about the FERS system and how it integrates with survivor planning on our <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="1167" data-end="1227">FERS retirement page</a>.</p><hr data-start="1230" data-end="1233" /><h2 data-start="1235" data-end="1283">Why Are FERS Survivor Elections So Important?</h2><p data-start="1285" data-end="1938">Making the right survivor election is critical because it impacts your family’s long-term financial well-being. If you die without having elected a survivor benefit, your spouse may lose access not only to your pension but also to <strong data-start="1516" data-end="1560">FEHB (Federal Employees Health Benefits)</strong>. That’s right—FEHB eligibility in retirement is often tied to the survivor annuity. This makes the FERS annuity survivor benefits one of the most far-reaching decisions you’ll make at retirement. For guidance on how insurance and benefits continue after retirement, visit our <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="1837" data-end="1932">insurance and supplemental benefits</a> page.</p><hr data-start="1940" data-end="1943" /><h2 data-start="1945" data-end="2003">What Survivor Benefit Options Are Available Under FERS?</h2><p data-start="2005" data-end="2069">FERS offers three main survivor benefit options when you retire:</p><div class="_tableContainer_16hzy_1"><div class="_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse" tabindex="-1"><table class="w-fit min-w-(--thread-content-width)" data-start="2071" data-end="2718"><thead data-start="2071" data-end="2199"><tr data-start="2071" data-end="2199"><th data-start="2071" data-end="2095" data-col-size="sm">Option</th><th data-start="2095" data-end="2158" data-col-size="md">Description</th><th data-start="2158" data-end="2178" data-col-size="sm">Annuity Reduction</th><th data-start="2178" data-end="2199" data-col-size="sm">Survivor Receives</th></tr></thead><tbody data-start="2330" data-end="2718"><tr data-start="2330" data-end="2459"><td data-start="2330" data-end="2354" data-col-size="sm"><strong data-start="2332" data-end="2349">Full Survivor</strong></td><td data-col-size="md" data-start="2354" data-end="2417">50% of your annuity paid to your spouse after your death</td><td data-col-size="sm" data-start="2417" data-end="2437">~10%</td><td data-col-size="sm" data-start="2437" data-end="2459">50% of your annuity</td></tr><tr data-start="2460" data-end="2589"><td data-start="2460" data-end="2484" data-col-size="sm"><strong data-start="2462" data-end="2482">Partial Survivor</strong></td><td data-col-size="md" data-start="2484" data-end="2547">25% of your annuity paid to your spouse</td><td data-col-size="sm" data-start="2547" data-end="2567">~5%</td><td data-col-size="sm" data-start="2567" data-end="2589">25% of your annuity</td></tr><tr data-start="2590" data-end="2718"><td data-start="2590" data-end="2616" data-col-size="sm"><strong data-start="2592" data-end="2615">No Survivor Benefit</strong></td><td data-col-size="md" data-start="2616" data-end="2676">No benefit to your spouse after death</td><td data-col-size="sm" data-start="2676" data-end="2696">0%</td><td data-col-size="sm" data-start="2696" data-end="2718">$0</td></tr></tbody></table><div class="sticky end-(--thread-content-margin) h-0 self-end select-none"><div class="absolute end-0 flex items-end"></div></div></div></div><p data-start="2720" data-end="2950">Choosing the right option involves balancing your retirement income needs with your spouse’s future security. A full survivor annuity costs more monthly but provides peace of mind that your loved one will be financially protected.</p><hr data-start="2952" data-end="2955" /><h2 data-start="2957" data-end="3015">Can You Change Your Survivor Election After Retirement?</h2><p data-start="3017" data-end="3130">In most cases, your survivor election is <strong data-start="3058" data-end="3092">final once your annuity begins</strong>. However, there are a few exceptions:</p><ul data-start="3132" data-end="3477"><li data-start="3132" data-end="3259"><p data-start="3134" data-end="3259">If you were <strong data-start="3146" data-end="3175">not married at retirement</strong> but later marry, you can elect a survivor annuity within <strong data-start="3233" data-end="3246">two years</strong> of marriage.</p></li><li data-start="3260" data-end="3359"><p data-start="3262" data-end="3359">If you <strong data-start="3269" data-end="3280">divorce</strong>, a court order related to the divorce settlement may affect survivor benefits.</p></li><li data-start="3360" data-end="3477"><p data-start="3362" data-end="3477"><strong data-start="3362" data-end="3379">Reinstatement</strong> is sometimes possible with a signed agreement and actuarial adjustment, but these cases are rare.</p></li></ul><p data-start="3479" data-end="3691">Because of how permanent the election is, it’s essential to get professional guidance before making your choice. FEBRA’s advisors are here to help—learn more on our <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="3644" data-end="3690">About Us page</a>.</p><hr data-start="3693" data-end="3696" /><h2 data-start="3698" data-end="3756">What Happens to FEHB If No Survivor Benefit Is Elected?</h2><p data-start="3758" data-end="4134">Many federal retirees don’t realize that electing a <strong data-start="3810" data-end="3835">FERS survivor annuity</strong> is often a <strong data-start="3847" data-end="3862">requirement</strong> for your spouse to <strong data-start="3882" data-end="3899">maintain FEHB</strong> coverage after your death. If no survivor annuity is elected, FEHB coverage typically ends upon your death, even if you carried a family plan for years. This can leave your spouse without affordable health care when they need it most.</p><p data-start="4136" data-end="4432">This single consequence makes the survivor benefit election a health care decision as much as a financial one. Be sure to factor FEHB continuation into your retirement plan. For more on retirement and health benefits coordination, visit our <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4377" data-end="4431">retirement overview</a>.</p><hr data-start="4434" data-end="4437" /><h2 data-start="4439" data-end="4479">How Is the Survivor Annuity Paid Out?</h2><p data-start="4481" data-end="4964">The survivor annuity is paid monthly, directly to your designated beneficiary—typically your spouse. It continues for life and is <strong data-start="4611" data-end="4637">adjusted for inflation</strong> annually via cost-of-living adjustments (COLAs), just like your standard annuity. If you chose the full survivor benefit, your spouse receives 50% of your unreduced annuity. If partial, they receive 25%. Taxes apply to these payments, but the income can be essential in helping a surviving spouse stay financially independent.</p><p data-start="4966" data-end="5233">This benefit is separate from <strong data-start="4996" data-end="5033">Social Security survivor benefits</strong>, which may also apply depending on your work record. You can read more about how these layers of protection stack up on <a class="" href="https://en.wikipedia.org/wiki/Federal_Employees_Retirement_System" target="_new" rel="noopener nofollow" data-start="5154" data-end="5232">Wikipedia</a>.</p><hr data-start="5235" data-end="5238" /><h2 data-start="5240" data-end="5315">What About Divorce or Remarriage—How Does That Affect Survivor Benefits?</h2><p data-start="5317" data-end="5969">Divorce can complicate survivor annuity elections. In many cases, a <strong data-start="5385" data-end="5400">court order</strong> will mandate that a portion—or all—of the annuity goes to a former spouse. This may limit your ability to elect a new survivor benefit for a future spouse unless you get a legal waiver. Additionally, remarriage after retirement may create eligibility for a new survivor benefit, but you must act within two years to request it. These legal nuances can have long-lasting effects on your retirement plan. If you’ve gone through or are anticipating a divorce, consider consulting a specialist. You can start with a free consultation through <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="5939" data-end="5968">FEBRA</a>.</p><p data-start="5317" data-end="5969"><img decoding="async" class="size-full wp-image-3944 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529.jpg" alt="fers annuity survivor benefits" width="1920" height="1280" srcset="https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529.jpg 1920w, https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529-1024x683.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529-1536x1024.jpg 1536w, https://gofebra.com/wp-content/uploads/2025/05/pexels-mart-production-7329529-600x400.jpg 600w" sizes="(max-width: 1920px) 100vw, 1920px" /></p><hr data-start="5971" data-end="5974" /><h2 data-start="5976" data-end="6034">What Happens to the Benefit If the Survivor Dies First?</h2><p data-start="6036" data-end="6510">If your elected survivor predeceases you, the reduction to your annuity generally <strong data-start="6118" data-end="6139">remains in effect</strong> unless you notify OPM and request to <strong data-start="6177" data-end="6206">restore your full annuity</strong>. This isn’t automatic—you must submit paperwork to stop the deduction. The good news is that the restoration can increase your monthly pension, but the process can take some time. It’s important to keep your records current and notify OPM promptly of any changes in marital status or beneficiary status.</p><hr data-start="6512" data-end="6515" /><h2 data-start="6517" data-end="6582">Should You Combine FERS Survivor Benefits with Life Insurance?</h2><p data-start="6584" data-end="7206">FERS annuity survivor benefits can be paired with life insurance—such as FEGLI or private term policies—to create a stronger safety net. Life insurance can cover short-term needs (like funeral costs or mortgage payoff), while the survivor annuity offers long-term income. Some federal retirees use life insurance as an alternative if they choose the “no survivor benefit” option, but this comes with risks. Premiums rise with age, and coverage must be in place at the time of death. For help comparing options, visit our <a class="cursor-pointer" target="_new" rel="noopener" data-start="7105" data-end="7205">insurance and supplemental benefits page</a>.</p><hr data-start="7208" data-end="7211" /><h2 data-start="7213" data-end="7270">Where Can You Get Help Planning for Survivor Benefits?</h2><p data-start="7272" data-end="7760">Making the right survivor election is about more than just your pension—it’s about protecting your spouse, your legacy, and your peace of mind. At FEBRA, we guide federal employees through every part of their retirement journey, including complex decisions like FERS annuity survivor benefits. Whether you’re approaching retirement or revisiting an old plan, our experts can help you make informed, confident choices. Start planning today with a <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7718" data-end="7759">free consultation</a>.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/fers-annuity-survivor-benefits-what-they-are-and-why-you-cant-afford-to-ignore-them/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What a Federal Retirement Planner Can Do That an Online Calculator Never Will</title> <link>https://gofebra.com/what-a-federal-retirement-planner-can-do-that-an-online-calculator-never-will/</link> <comments>https://gofebra.com/what-a-federal-retirement-planner-can-do-that-an-online-calculator-never-will/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Wed, 11 Jun 2025 05:46:27 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=3947</guid> <description><![CDATA[A federal retirement planner provides real-life guidance that goes far beyond what an online calculator can deliver. While retirement tools and estimators can be useful starting points, they rely on static data and generalized assumptions. A planner, on the other hand, customizes your roadmap, accounts for complex life factors, and makes sure you don’t miss […]]]></description> <content:encoded><![CDATA[<p data-start="81" data-end="575">A federal retirement planner provides real-life guidance that goes far beyond what an online calculator can deliver. While retirement tools and estimators can be useful starting points, they rely on static data and generalized assumptions. A planner, on the other hand, customizes your roadmap, accounts for complex life factors, and makes sure you don’t miss a critical benefit. In this article, we’ll explain exactly what a federal retirement planner does—and why their insight is invaluable.</p><hr data-start="577" data-end="580" /><h2 data-start="582" data-end="622">What Is a Federal Retirement Planner?</h2><p data-start="624" data-end="1272">A federal retirement planner is a financial professional who specializes in helping U.S. government employees understand, maximize, and coordinate all aspects of their federal retirement benefits. This includes pensions (FERS or CSRS), Social Security, TSP (Thrift Savings Plan), insurance, and survivor benefits. Unlike general financial advisors, these planners understand the specific rules, timelines, and exceptions built into federal systems. At <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="1076" data-end="1105">FEBRA</a>, our retirement planners are trained to work within these federal structures, ensuring each client receives tailored advice that fits their career and personal goals.</p><hr data-start="1274" data-end="1277" /><h2 data-start="1279" data-end="1346">How Is a Planner Different from an Online Retirement Calculator?</h2><p data-start="1348" data-end="1547">Online calculators are designed to estimate future retirement income based on a limited set of inputs. They may ask for your salary, years of service, and desired retirement age. However, they can’t:</p><ul data-start="1549" data-end="1830"><li data-start="1549" data-end="1652"><p data-start="1551" data-end="1652">Adjust for unique circumstances like military service, temporary breaks in service, or part-time work</p></li><li data-start="1653" data-end="1746"><p data-start="1655" data-end="1746">Factor in cost-of-living adjustments (COLAs), annuity reductions, or FEHB eligibility rules</p></li><li data-start="1747" data-end="1830"><p data-start="1749" data-end="1830">Account for marital status changes or divorce decrees affecting survivor benefits</p></li></ul><p data-start="1832" data-end="2094">A federal retirement planner considers all of these nuances. They ask questions calculators don’t and offer strategy—not just numbers. Visit our <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="1977" data-end="2036">retirement planning page</a> for a deeper look at how we approach customized guidance.</p><hr data-start="2096" data-end="2099" /><h2 data-start="2101" data-end="2167">Why Do Federal Employees Need Personalized Retirement Planning?</h2><p data-start="2169" data-end="2282">Federal employees face a unique set of retirement decisions that can have irreversible consequences. For example:</p><ul data-start="2284" data-end="2502"><li data-start="2284" data-end="2348"><p data-start="2286" data-end="2348">Should you elect a survivor annuity, and if so, at what level?</p></li><li data-start="2349" data-end="2423"><p data-start="2351" data-end="2423">What’s the best time to draw Social Security based on your FERS annuity?</p></li><li data-start="2424" data-end="2502"><p data-start="2426" data-end="2502">Should you keep your FEGLI coverage in retirement or opt for a private plan?</p></li></ul><p data-start="2504" data-end="2863">These decisions are interconnected. A federal retirement planner helps you weigh the pros and cons based on your goals, income needs, life expectancy, and family structure. No online calculator can simulate that kind of depth. If you’re not sure whether you’re under FERS or CSRS, start with our <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="2800" data-end="2862">CSRS information page</a>.</p><hr data-start="2865" data-end="2868" /><h2 data-start="2870" data-end="2919">What Tools Do Federal Retirement Planners Use?</h2><p data-start="2921" data-end="3176">While online calculators are based on pre-set formulas, federal retirement planners use <strong data-start="3009" data-end="3047">agency-provided benefit statements</strong>, <strong data-start="3049" data-end="3072">custom spreadsheets</strong>, and <strong data-start="3078" data-end="3110">specialized federal software</strong> that incorporates the latest OPM rules. They also have access to:</p><ul data-start="3178" data-end="3320"><li data-start="3178" data-end="3216"><p data-start="3180" data-end="3216">FERS and CSRS pension modeling tools</p></li><li data-start="3217" data-end="3250"><p data-start="3219" data-end="3250">TSP withdrawal simulation tools</p></li><li data-start="3251" data-end="3290"><p data-start="3253" data-end="3290">Medicare and FEHB coordination guides</p></li><li data-start="3291" data-end="3320"><p data-start="3293" data-end="3320">IRS tax projection software</p></li></ul><p data-start="3322" data-end="3448">More importantly, they interpret these tools in context—helping you make decisions today that benefit you for decades to come.</p><hr data-start="3450" data-end="3453" /><h2 data-start="3455" data-end="3523">Can a Planner Help You Coordinate FERS, TSP, and Social Security?</h2><p data-start="3525" data-end="3656">Absolutely. One of the most valuable roles of a federal retirement planner is to create a retirement income strategy that balances:</p><ul data-start="3658" data-end="3774"><li data-start="3658" data-end="3681"><p data-start="3660" data-end="3681"><strong data-start="3660" data-end="3681">Your FERS pension</strong></p></li><li data-start="3682" data-end="3726"><p data-start="3684" data-end="3726"><strong data-start="3684" data-end="3726">Social Security timing and eligibility</strong></p></li><li data-start="3727" data-end="3774"><p data-start="3729" data-end="3774"><strong data-start="3729" data-end="3774">TSP withdrawals and investment allocation</strong></p></li></ul><p data-start="3776" data-end="4156">Many federal employees don’t know how to create a “retirement paycheck” that draws from all three sources in the most tax-efficient way. A planner helps you structure distributions, manage taxes, and avoid penalties. If you’re still building your TSP, check out our <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="4042" data-end="4111">Thrift Savings Plan guide</a> to better understand its role in retirement.</p><hr data-start="4158" data-end="4161" /><h2 data-start="4163" data-end="4213">How Do Life Changes Affect Retirement Planning?</h2><p data-start="4215" data-end="4827">Online calculators don’t adjust for life changes—but a federal retirement planner does. Marriage, divorce, the birth of a child, health concerns, or an unexpected career shift all influence your retirement path. A planner will revisit your strategy whenever needed, helping you pivot in response to life’s unpredictability. This flexibility is essential, especially when it comes to maintaining insurance coverage or reevaluating your survivor benefits. For example, you may need to revisit <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4706" data-end="4801">insurance and supplemental benefits</a> after a major life event.</p><hr data-start="4829" data-end="4832" /><h2 data-start="4834" data-end="4886">How Can a Planner Help You Avoid Costly Mistakes?</h2><p data-start="4888" data-end="4982">Many retirees don’t realize they’ve made a mistake until it’s too late. Common errors include:</p><ul data-start="4984" data-end="5231"><li data-start="4984" data-end="5037"><p data-start="4986" data-end="5037">Failing to meet the five-year FEHB eligibility rule</p></li><li data-start="5038" data-end="5090"><p data-start="5040" data-end="5090">Underestimating tax liability from TSP withdrawals</p></li><li data-start="5091" data-end="5159"><p data-start="5093" data-end="5159">Forgetting to elect a survivor benefit, leaving a spouse uninsured</p></li><li data-start="5160" data-end="5231"><p data-start="5162" data-end="5231">Retiring too early and forfeiting the FERS Social Security supplement</p></li></ul><p data-start="5233" data-end="5430">A federal retirement planner spots these risks early and helps you make decisions with confidence. The cost of a mistake can be measured in thousands of dollars—or years of lost coverage or income.</p><p data-start="5233" data-end="5430"><img decoding="async" class="size-full wp-image-3949 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299.jpg" alt="federal retirement planner" width="1280" height="854" srcset="https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299-1024x683.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/05/pexels-kampus-6762299-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></p><hr data-start="5432" data-end="5435" /><h2 data-start="5437" data-end="5507">Can You Still Benefit from a Planner If You’re Close to Retirement?</h2><p data-start="5509" data-end="5697">Yes. Even if you’re within a year of retiring, it’s not too late to work with a federal retirement planner. In fact, this is often when their guidance becomes most valuable. A planner can:</p><ul data-start="5699" data-end="5937"><li data-start="5699" data-end="5751"><p data-start="5701" data-end="5751">Confirm your eligibility and ideal retirement date</p></li><li data-start="5752" data-end="5805"><p data-start="5754" data-end="5805">Review your pension estimate and high-3 calculation</p></li><li data-start="5806" data-end="5850"><p data-start="5808" data-end="5850">Assist with completing OPM forms correctly</p></li><li data-start="5851" data-end="5937"><p data-start="5853" data-end="5937">Help you make time-sensitive decisions like TSP withdrawal setup or FEGLI reductions</p></li></ul><p data-start="5939" data-end="6134">The final year of service is when all your planning becomes real—don’t go it alone. Learn more about last-minute planning through our <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="6073" data-end="6133">FERS retirement page</a>.</p><hr data-start="6136" data-end="6139" /><h2 data-start="6141" data-end="6206">What Questions Should You Ask Your Federal Retirement Planner?</h2><p data-start="6208" data-end="6348">A good retirement planner will answer your questions—but a great one will also ask the right ones. When choosing a planner, consider asking:</p><ul data-start="6350" data-end="6600"><li data-start="6350" data-end="6423"><p data-start="6352" data-end="6423">How do you help federal employees coordinate all three benefit streams?</p></li><li data-start="6424" data-end="6477"><p data-start="6426" data-end="6477">Can you walk me through survivor benefit scenarios?</p></li><li data-start="6478" data-end="6532"><p data-start="6480" data-end="6532">How will my FEHB and Medicare interact after age 65?</p></li><li data-start="6533" data-end="6600"><p data-start="6535" data-end="6600">What strategies do you recommend for minimizing retirement taxes?</p></li></ul><p data-start="6602" data-end="6800">These conversations lead to strategies that a calculator could never provide. For more on how we support clients with personalized advice, explore our <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="6753" data-end="6799">About Us page</a>.</p><hr data-start="6802" data-end="6805" /><h2 data-start="6807" data-end="6866">Where Can You Find a Trusted Federal Retirement Planner?</h2><p data-start="6868" data-end="7337">Not all financial advisors understand the complexities of federal retirement systems. That’s why it’s important to work with specialists. At <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7009" data-end="7038">FEBRA</a>, our planners are trained specifically in federal benefits and work with thousands of employees across the country every year. We take a holistic approach—reviewing everything from TSP to FEHB to FEGLI—so you can retire with clarity and peace of mind. And the best part? Our consultations are free.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/what-a-federal-retirement-planner-can-do-that-an-online-calculator-never-will/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>TSP Roth Calculator: What It Can (and Can’t) Tell You About Your Retirement Future</title> <link>https://gofebra.com/tsp-roth-calculator-what-it-can-and-cant-tell-you-about-your-retirement-future/</link> <comments>https://gofebra.com/tsp-roth-calculator-what-it-can-and-cant-tell-you-about-your-retirement-future/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Tue, 10 Jun 2025 05:46:12 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=3952</guid> <description><![CDATA[The TSP Roth calculator is a powerful tool for federal employees looking to forecast their retirement savings, especially if they’re considering tax-free withdrawals in retirement. But like any tool, it has limitations. While it can provide a solid projection of Roth Thrift Savings Plan (TSP) growth, it doesn’t replace the strategic guidance of a human […]]]></description> <content:encoded><![CDATA[<p data-start="86" data-end="566">The TSP Roth calculator is a powerful tool for federal employees looking to forecast their retirement savings, especially if they’re considering tax-free withdrawals in retirement. But like any tool, it has limitations. While it can provide a solid projection of Roth Thrift Savings Plan (TSP) growth, it doesn’t replace the strategic guidance of a human expert. This article breaks down what the tsp roth calculator can—and can’t—do to help you make smarter retirement decisions.</p><hr data-start="568" data-end="571" /><h2 data-start="573" data-end="634">What Is the TSP Roth Calculator and Why Should You Use It?</h2><p data-start="636" data-end="1394">The tsp roth calculator is an online tool designed to help federal employees estimate the future value of their Roth TSP contributions. Unlike traditional TSP contributions, which are made pre-tax, Roth contributions are made after-tax—meaning your withdrawals in retirement may be <strong data-start="918" data-end="941">completely tax-free</strong> if certain conditions are met. The calculator allows you to input variables such as salary, contribution percentage, investment allocation, and retirement age to model the long-term impact of contributing to the Roth TSP. It’s a great starting point for evaluating whether this savings route fits your financial goals. For an overview of Roth and Traditional TSP options, visit our <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="1324" data-end="1393">Thrift Savings Plan guide</a>.</p><hr data-start="1396" data-end="1399" /><h2 data-start="1401" data-end="1446">What Does the Calculator Actually Measure?</h2><p data-start="1448" data-end="1775">The tsp roth calculator primarily measures <strong data-start="1491" data-end="1519">projected account growth</strong> based on your current and future contributions, estimated investment returns, and retirement timeline. It shows how much your account could be worth at retirement and allows you to compare Roth vs. Traditional contributions. Key outputs typically include:</p><ul data-start="1777" data-end="1928"><li data-start="1777" data-end="1816"><p data-start="1779" data-end="1816">Total value of Roth TSP at retirement</p></li><li data-start="1817" data-end="1855"><p data-start="1819" data-end="1855">Estimated tax savings or liabilities</p></li><li data-start="1856" data-end="1896"><p data-start="1858" data-end="1896">Comparison with Traditional TSP values</p></li><li data-start="1897" data-end="1928"><p data-start="1899" data-end="1928">Retirement income projections</p></li></ul><p data-start="1930" data-end="2073">However, it assumes consistent contributions, static rates of return, and doesn’t adjust dynamically for life changes or complex tax scenarios.</p><hr data-start="2075" data-end="2078" /><h2 data-start="2080" data-end="2130">What Are the Assumptions Behind the Calculator?</h2><p data-start="2132" data-end="2252">The tsp roth calculator makes several built-in assumptions that may or may not align with your real-world circumstances:</p><div class="_tableContainer_16hzy_1"><div class="_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse" tabindex="-1"><table class="w-fit min-w-(--thread-content-width)" data-start="2254" data-end="2749"><thead data-start="2254" data-end="2336"><tr data-start="2254" data-end="2336"><th data-start="2254" data-end="2281" data-col-size="sm">Assumption Type</th><th data-start="2281" data-end="2336" data-col-size="md">Description</th></tr></thead><tbody data-start="2420" data-end="2749"><tr data-start="2420" data-end="2501"><td data-start="2420" data-end="2447" data-col-size="sm">Investment Returns</td><td data-col-size="md" data-start="2447" data-end="2501">Assumes average annual return (often user-defined)</td></tr><tr data-start="2502" data-end="2583"><td data-start="2502" data-end="2529" data-col-size="sm">Contribution Consistency</td><td data-col-size="md" data-start="2529" data-end="2583">Assumes fixed % of pay throughout career</td></tr><tr data-start="2584" data-end="2666"><td data-start="2584" data-end="2611" data-col-size="sm">Inflation</td><td data-col-size="md" data-start="2611" data-end="2666">Often built in, but may not reflect real COLAs</td></tr><tr data-start="2667" data-end="2749"><td data-start="2667" data-end="2694" data-col-size="sm">Tax Brackets</td><td data-col-size="md" data-start="2694" data-end="2749">Typically based on current laws</td></tr></tbody></table><div class="sticky end-(--thread-content-margin) h-0 self-end select-none"><div class="absolute end-0 flex items-end"></div></div></div></div><p data-start="2751" data-end="2992">These assumptions make the calculator a useful <strong data-start="2798" data-end="2817">projection tool</strong>, but not an all-encompassing retirement strategy. A planner can help refine these estimates based on your career progression, TSP fund choices, and future changes in tax law.</p><hr data-start="2994" data-end="2997" /><h2 data-start="2999" data-end="3045">What the TSP Roth Calculator Can’t Tell You</h2><p data-start="3047" data-end="3136">While the tsp roth calculator can give you a sense of how your money will grow, it can’t:</p><ul data-start="3138" data-end="3520"><li data-start="3138" data-end="3199"><p data-start="3140" data-end="3199">Factor in your <strong data-start="3155" data-end="3183">individual tax situation</strong> in retirement</p></li><li data-start="3200" data-end="3268"><p data-start="3202" data-end="3268">Predict changes in <strong data-start="3221" data-end="3233">tax laws</strong> that may impact Roth withdrawals</p></li><li data-start="3269" data-end="3356"><p data-start="3271" data-end="3356">Account for <strong data-start="3283" data-end="3324">required minimum distributions (RMDs)</strong> or early withdrawal penalties</p></li><li data-start="3357" data-end="3442"><p data-start="3359" data-end="3442">Coordinate your <strong data-start="3375" data-end="3411">TSP with other retirement income</strong> like FERS or Social Security</p></li><li data-start="3443" data-end="3520"><p data-start="3445" data-end="3520">Reflect <strong data-start="3453" data-end="3520">spousal benefits, survivor elections, or inheritance strategies</strong></p></li></ul><p data-start="3522" data-end="3748">That’s why it’s important to use the calculator as a starting point—and work with a retirement planner for a full strategy. For personalized help, check out our <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="3683" data-end="3747">retirement planning resources</a>.</p><hr data-start="3750" data-end="3753" /><h2 data-start="3755" data-end="3812">How Do Roth and Traditional TSP Contributions Compare?</h2><p data-start="3814" data-end="3965">One of the biggest questions federal employees have is whether to contribute to the <strong data-start="3898" data-end="3910">Roth TSP</strong> or the <strong data-start="3918" data-end="3937">Traditional TSP</strong>. Here’s a quick comparison:</p><div class="_tableContainer_16hzy_1"><div class="_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse" tabindex="-1"><table class="w-fit min-w-(--thread-content-width)" data-start="3967" data-end="4566"><thead data-start="3967" data-end="4066"><tr data-start="3967" data-end="4066"><th data-start="3967" data-end="3992" data-col-size="sm">Feature</th><th data-start="3992" data-end="4028" data-col-size="sm">Roth TSP</th><th data-start="4028" data-end="4066" data-col-size="sm">Traditional TSP</th></tr></thead><tbody data-start="4167" data-end="4566"><tr data-start="4167" data-end="4266"><td data-start="4167" data-end="4192" data-col-size="sm">Tax Status</td><td data-start="4192" data-end="4228" data-col-size="sm">After-tax contributions</td><td data-start="4228" data-end="4266" data-col-size="sm">Pre-tax contributions</td></tr><tr data-start="4267" data-end="4366"><td data-start="4267" data-end="4292" data-col-size="sm">Withdrawals</td><td data-start="4292" data-end="4328" data-col-size="sm">Tax-free (if qualified)</td><td data-start="4328" data-end="4366" data-col-size="sm">Taxed as income</td></tr><tr data-start="4367" data-end="4466"><td data-start="4367" data-end="4392" data-col-size="sm">RMDs (after retirement)</td><td data-start="4392" data-end="4428" data-col-size="sm">Yes (unless rolled to Roth IRA)</td><td data-start="4428" data-end="4466" data-col-size="sm">Yes</td></tr><tr data-start="4467" data-end="4566"><td data-start="4467" data-end="4492" data-col-size="sm">Best For</td><td data-start="4492" data-end="4528" data-col-size="sm">Those expecting higher future tax</td><td data-start="4528" data-end="4566" data-col-size="sm">Those expecting lower future tax</td></tr></tbody></table><div class="sticky end-(--thread-content-margin) h-0 self-end select-none"><div class="absolute end-0 flex items-end"></div></div></div></div><p data-start="4568" data-end="4882">The tsp roth calculator helps you test both scenarios, but it can’t tell you how future tax laws will evolve. For a more strategic comparison, you may want to schedule a conversation with a professional planner. Learn more about FERS integration on our <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="4821" data-end="4881">FERS retirement page</a>.</p><hr data-start="4884" data-end="4887" /><h2 data-start="4889" data-end="4944">Can the Calculator Help with Catch-Up Contributions?</h2><p data-start="4946" data-end="5484">Yes, many versions of the tsp roth calculator allow you to input <strong data-start="5011" data-end="5037">catch-up contributions</strong> if you’re age 50 or older. These additional contributions—up to $7,500 annually (as of 2024)—can significantly boost your account’s growth and provide greater tax-free income in retirement. That said, the calculator typically assumes you’ll make the same catch-up amount each year, which may not reflect real behavior. Strategic decisions, such as when to shift from Traditional to Roth contributions, still require deeper insight from a planner.</p><hr data-start="5486" data-end="5489" /><h2 data-start="5491" data-end="5550">How Does the Calculator Fit Into a Full Retirement Plan?</h2><p data-start="5552" data-end="5680">The tsp roth calculator is just <strong data-start="5584" data-end="5611">one piece of the puzzle</strong>. A complete retirement strategy for federal employees also includes:</p><ul data-start="5682" data-end="5900"><li data-start="5682" data-end="5725"><p data-start="5684" data-end="5725"><strong data-start="5684" data-end="5704">Pension planning</strong> under FERS or CSRS</p></li><li data-start="5726" data-end="5773"><p data-start="5728" data-end="5773"><strong data-start="5728" data-end="5754">Social Security timing</strong> and coordination</p></li><li data-start="5774" data-end="5813"><p data-start="5776" data-end="5813"><strong data-start="5776" data-end="5811">Health benefits (FEHB/Medicare)</strong></p></li><li data-start="5814" data-end="5853"><p data-start="5816" data-end="5853"><strong data-start="5816" data-end="5851">Life insurance planning (FEGLI)</strong></p></li><li data-start="5854" data-end="5900"><p data-start="5856" data-end="5900"><strong data-start="5856" data-end="5898">Spousal and survivor benefit decisions</strong></p></li></ul><p data-start="5902" data-end="6166">A federal retirement planner can help you see how these elements interact—something no calculator can do on its own. To understand how all these benefits work together, check out our <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="6085" data-end="6131">About Us page</a> and get connected with an advisor.</p><p data-start="5902" data-end="6166"><img decoding="async" class="alignnone size-full wp-image-3954" src="https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1.jpg" alt="tsp roth calculator" width="1920" height="1280" srcset="https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1.jpg 1920w, https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1-1024x683.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1-1536x1024.jpg 1536w, https://gofebra.com/wp-content/uploads/2025/05/pexels-marcus-aurelius-6787970-1-600x400.jpg 600w" sizes="(max-width: 1920px) 100vw, 1920px" /></p><hr data-start="6168" data-end="6171" /><h2 data-start="6173" data-end="6228">Are There Better Tools Than the Official Calculator?</h2><p data-start="6230" data-end="6466">The TSP’s official calculator is reliable but limited in scope. Third-party financial software can offer more detailed modeling and “what if” analysis, especially around taxes and withdrawal strategies. More advanced tools allow you to:</p><ul data-start="6468" data-end="6634"><li data-start="6468" data-end="6500"><p data-start="6470" data-end="6500">Simulate <strong data-start="6479" data-end="6500">market volatility</strong></p></li><li data-start="6501" data-end="6547"><p data-start="6503" data-end="6547">Coordinate <strong data-start="6514" data-end="6547">Roth vs. Traditional balances</strong></p></li><li data-start="6548" data-end="6593"><p data-start="6550" data-end="6593">Plan <strong data-start="6555" data-end="6593">tax-efficient withdrawal sequences</strong></p></li><li data-start="6594" data-end="6634"><p data-start="6596" data-end="6634">Analyze <strong data-start="6604" data-end="6634">Roth conversion strategies</strong></p></li></ul><p data-start="6636" data-end="6816">However, access to these tools often requires working with a financial professional. For broader tools and personalized help, explore our services at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="6786" data-end="6815">FEBRA</a>.</p><hr data-start="6818" data-end="6821" /><h2 data-start="6823" data-end="6887">What Life Events Should Prompt You to Revisit the Calculator?</h2><p data-start="6889" data-end="6964">You should revisit the tsp roth calculator when any of the following occur:</p><ul data-start="6966" data-end="7148"><li data-start="6966" data-end="7000"><p data-start="6968" data-end="7000"><strong data-start="6968" data-end="7000">Salary changes or promotions</strong></p></li><li data-start="7001" data-end="7043"><p data-start="7003" data-end="7043"><strong data-start="7003" data-end="7043">Marriage, divorce, or new dependents</strong></p></li><li data-start="7044" data-end="7068"><p data-start="7046" data-end="7068"><strong data-start="7046" data-end="7068">Changes in tax law</strong></p></li><li data-start="7069" data-end="7097"><p data-start="7071" data-end="7097"><strong data-start="7071" data-end="7097">Approaching retirement</strong></p></li><li data-start="7098" data-end="7148"><p data-start="7100" data-end="7148"><strong data-start="7100" data-end="7148">Shifts in investment goals or risk tolerance</strong></p></li></ul><p data-start="7150" data-end="7523">These events can impact your contributions, investment choices, and withdrawal plans. Because the calculator doesn’t auto-update for life changes, it’s best to use it alongside professional reviews. For insurance-related changes that may affect your strategy, review our <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="7421" data-end="7522">insurance and supplemental benefits guide</a>.</p><hr data-start="7525" data-end="7528" /><h2 data-start="7530" data-end="7581">Where Can You Get Help Interpreting the Results?</h2><p data-start="7583" data-end="8030">If you’ve run the tsp roth calculator but still feel unsure what to do next, you’re not alone. Understanding whether to adjust your contributions, rebalance your investments, or prepare for tax implications takes expertise. At <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7810" data-end="7839">FEBRA</a>, we help federal employees turn data into decisions. From personalized Roth vs. Traditional strategies to full retirement coordination, we’re here to help you make the most of your benefits.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/tsp-roth-calculator-what-it-can-and-cant-tell-you-about-your-retirement-future/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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