by Gary Raetz | Jul 8, 2019 | Miscellaneous
As a federal employee, you know that your annuity will someday comprise a significant portion of your retirement income. But those payments also end when you pass away. So, what would happen to your spouse, if both of you are dependent upon that income, but you are...
by Gary Raetz | Jul 1, 2019 | Miscellaneous
We often think that we’re finished teaching our children once they’ve grown up and left home. But in reality, your adult kids are still learning from you. In fact, they’re likely to make their own retirement planning decisions based largely upon what they’ve observed...
by Gary Raetz | Jun 24, 2019 | Miscellaneous
One of the reasons so few people adequately plan for their financial futures is due to the proliferation of several common myths. Some believe that Social Security will provide everything they need for retirement (it won’t), or that their life insurance payout will...
by Gary Raetz | Jun 17, 2019 | Miscellaneous
As financial planners, we spend a lot of time talking about the three tiers of your Federal Employee Retirement System. Social Security benefits, your annuity payments, and withdrawals from your Thrift Savings Plan will provide three streams of income in retirement....
by Gary Raetz | Jun 9, 2019 | Miscellaneous
When you first became a federal employee, you filled out a number of forms related to your benefits. You might have established a contribution schedule for your Thrift Savings Plan, opted for Federal Employees Group Life Insurance, and made other decisions related to...
by Gary Raetz | Jun 3, 2019 | Miscellaneous
When we talk to clients about retirement planning, we find that they tend to focus on savings. Naturally, everyone is going to do that, and for good reason. They need to feel assured that withdrawals from their Thrift Savings Plans, along with annuity payments and...
