Expert insights from our team

It’s been over four years since the SECURE Act shook up the rules for inherited IRAs, and confusion still lingers. Although the IRS issued proposed regulations in February 2022, they haven’t finalized the guidance—and in many cases, they've raised more questions than answers.

Use both: Max out TSP contributions (especially to get the match), and supplement retirement with a FlexLife plan for tax-free income and additional benefits.

Regarding estate planning, many people think only of what happens after they’re gone. But there’s a powerful strategy you can use today to help loved ones—and potentially reduce taxes in the process: gift giving. Done correctly, gifting can reduce both lifetime income and future estate and gift taxes. Plus, you get to witness the benefits of your generosity firsthand rather than making your loved ones wait to inherit.

Social Security is neither fraudulent nor designed to fail. While current Social Security benefits are funded by payroll taxes from today’s workers, those workers will later receive benefits funded by future workers. There is no intent to defraud, and the system is designed as a safety net, not an investment scam.In reality, Social Security functions more like insurance. Workers pay into the system (similar to paying insurance premiums) to protect themselves against unforeseen risks, such as disability, loss of a spouse, or outliving personal savings.

The collaboration between USPS and Elon Musk’s Department of Government Efficiency represents a bold attempt to tackle long-standing financial and operational issues. However, critics fear that the proposed reforms may lead to privatization, job losses, and reduced service quality—especially for rural Americans. The coming months will reveal whether this initiative is a path to modernization or a precursor to dismantling a crucial public service.‍

Losing a loved one is one of life’s most challenging experiences. The grieving process brings a flood of emotions, and at the same time, practical and financial matters demand attention. Beyond the immediate aftermath, adjusting to life without a loved one requires time, emotional resilience, and often, financial planning.

The Social Security Administration (SSA) has announced a major restructuring plan that will result in significant workforce reductions

Take Control of Your Retirement Income. The good news? You don’t have to face this challenge alone. We offer solutions to help you close the gap and secure your financial future.

This is where the concept of pension maximization comes in: this strategy uses life insurance to provide a death benefit to the surviving spouse that they Life could then use to replace Insurance the survivor income they would have received from the pension. This allows the retiree to choose the higher life-only retirement income option.

A little proactive planning goes a long way in ensuring your loved ones are taken care of without unnecessary stress. Set aside time to review your beneficiary designations annually or during life changes. It’s a simple step that can make a big difference.