Expert insights from our team

LWOP can be a helpful tool for federal employees needing time away, especially for military obligations. However, it’s essential to understand how it impacts your benefits and long-term planning. Be sure to talk with your HR office before making any decisions.

Retirement planning isn’t just about saving money—it’s about making smart choices with taxes, timing, and risk in mind. Whether you’re contributing to a 403(b) at a university, maxing out a 401(k) in a corporate job, or funding a 412(e)(3) plan to secure a guaranteed pension, the best plan is the one aligned with your goals.

Many people assume they have to choose one over the other, but you can contribute to both, as long as your combined contributions don’t exceed the annual limit. In fact, diversifying between Traditional and Roth IRAs can give you more control over your tax situation in retirement, letting you pull from taxable and tax-free accounts strategically.

RMDs can significantly impact your tax bill and retirement cash flow. A smart withdrawal strategy can can: • Help you avoid penalties • Reduce unnecessary tax burdens Preserve more of your wealth for your spouse or heirs. Working with a retirement planner or tax advisor can help you time your withdrawals strategically and minimize the tax impact over your lifetime.

The most savvy savers often utilize a combination of qualified and non-qualified options. Why? Because tax laws change. Your life changes. Having flexibility means you can adjust your income and withdrawals based on your future tax situation.

Retirement should be a time of peace of mind—not financial stress. One of the most important steps in planning for a successful retirement is understanding where your money will come from once you stop working. The truth is, most retirees don’t rely on just one income stream. Instead, they build a retirement paycheck from several sources.

Teachers are making one of the biggest financial decisions of their lives with limited knowledge.

Sick leave is much more than just a few days off—it’s an essential part of your financial wellness, career planning, and retirement strategy. Whether you’re early in your career or nearing retirement, it pays—literally—to understand how to use and save it wisely.

While the future of federal workforce policies remains uncertain, knowing your rights and available options can help you navigate a RIF more effectively. Whether seeking new employment, appealing a decision, or understanding your benefits, staying informed ensures you’re prepared for potential changes in your career.

Balancing growth with asset preservation is essential when planning for retirement. Indexed annuities and mutual funds are two popular tools that are often compared.