Retirement
Navigating Technology Breaches and Data Protection
In today’s digital age, with countless passwords and online accounts storing our sensitive information, the threat of data breaches and identity theft looms large. The recent breach at National Public Data, one of the largest of its kind, has heightened concerns about data security for…
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Do you want to leave an IRA to your Children or Grandchildren?
Recently we have had several client inquiries asking, “Is leaving my IRA to my children or grandchildren a good idea?” The answer to the question is possibly. As so often is the case, it depends on the goals you are trying to accomplish, and of…
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in Financial Planning, Life After Retirement, Retirement, Retirement Planning by
John Stohlman Jan 16, 2023
FAQ- Understanding my Federal Employee Benefits [Video]
How Do I Understand My Federal Employee Benefits? Federal government employees are provided with an impressive benefits package. The standard benefits are considered by many experts to be a valuable component of its compensation package, often exceeding the benefit packages offered by public sector employers.…
Read More in Federal Employees, Financial Planning, Retirement, Retirement Planning by
Medallion Group Dec 1, 2022
Should I Buy a Retirement Home Now or Wait?
It’s no secret that the housing market is in shambles — home prices continue to fall, and many homeowners are still living in homes “underwater,” — meaning the cost of their homes is lower than the mortgage loans used to buy them. But what does…
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FAQ-How should I be invested in retirement? [Video]
How Should I Invest My Money in Retirement? Once you retire, you may be asking the questions: “How do I invest my money in retirement?”or “Should I even invest my money in retirement?” Maybe…
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6 Retirement Costs to Keep in Mind
No matter how much you’ve thought about retirement already, it can be easy to overlook some of the details that will make your post–employment years run smoothly. You probably have the basics covered, but be sure your plans and projections factor in everything you need…
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FAQ- Will I have to work more after retirement? [Video]
Retirement. It’s something everyone thinks about and looks forward to enjoying. The idea of waking up without being tied to an alarm clock – to know that your day is yours. It’s a dream most people can’t wait to fulfill. Many of those…
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Annuities Give Retirees Freedom to Spend
The days of riding off into the sunset with a guaranteed pension paycheck and a gold watch are no longer a reality for most people. According to CNN, the percentage of private sector workers with a traditional pension plan is 4% today compared to 60%…
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Reasons Women Should Look Into Long-Term Care
1) Women Live Longer. It’s no secret that women generally live longer than men, and there are plenty of statistics to prove it. And while a longer life is surely a blessing, it can also present many hardships if you don’t plan properly. This includes…
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April Wellness Topics to Be Mindful Of
Here at Medallion Financial Group, we recognize that there are many different dimensions of our personal health. Many people think about wellness in terms of physical health only, but one’s overall wellness also includes mental, emotional, spiritual, financial, and social health, just to name a…
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Should I Get Identity Theft Protection?
In the face of data breaches and updating privacy terms, everyone faces a similar question: should I get identity protection? Although you may have not been directly affected by security or privacy breaches, everyone should be aware of a constant cyber security threat. For example,…
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A Blast From The Past: Federal Employee Retirement Benefits
Focusing on Federal Employee Retirement Benefits Have you ever experienced one of those moments in life where you find yourself sucker-punched by reality? I don’t mean a gentle love tap, either. I’m talking about a knockout punch from Mike Tyson. It happened to me the…
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Annuities Have Big Tax Advantages Over CDs
The most important skill a financial planner brings to the table for their client is not knowledge, designations, or even experience. A planner’s most important asset is his or her ability to put down the pen and listen to each client’s wants, needs, anxieties, hopes,…
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Cashing in Old Life Insurance
Many people have asked us about old financial papers and their current worth. The questions have included what to do with old bank certificates of deposit, old stock certificates, and ancient papers from life insurance companies. Typically, they are most interested in knowing if these…
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What Does a Financial Planner Do? Can They Bake a Cherry Pie?
Our founder, partner, and financial advisor, Dan Searles CFP®, RFC®, CEP®, LUTCF explains what a financial planner does using examples from his family life. If you’ll allow me the grace of an analogy we’ll have some fun and I’ll answer our most commonly asked question,…
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Planning For Early Retirement
Oh, retirement. The one thing that almost everyone strives for. The end of the working life, and the beginning of a new, easier one full of traveling, family, and… not working. But even though retirement is a common goal, it’s certainly not an easy one.…
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How Do I Get Accurate Info From my HR Department? [Video]
As you’re getting closer to retirement, you may be reaching out to your HR department trying to figure out how you can get good, accurate information from them. There’s some good news and maybe some bad news to this. The good news is that most…
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Why Do I Need a Financial Planner if I have a TSP? [Video]
If you’re invested in the TSP and the TSP is your primary vehicle for retirement, then you may be wondering, “Do I need a financial planner? Isn’t the TSP just managing my money for me?” There’s a lot to unpack in that simple question. Let’s…
Read More in Federal Employees, Financial Planning, Retirement, Retirement Planning, TSP by
Ryan Dunn Dec 30, 2021
Things to Consider About Your Retirement Withdrawal Strategy [Video]
You’ve gotten to the point where you’re getting ready to retire. You know that the income from your employment is going to stop, and you have a decision to make: how are you going to approach income so that you can do the things that…
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How Do I Maintain My Standard of Living in Retirement? [Video]
As you get closer to retirement, you may begin to ask, “How do I maintain my standard of living through retirement?” This is a complicated issue to answer as you start to unpack it because retirement isn’t always linear. You don’t always spend an even…
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When is the Best Day for a FERS Employee to Retire? [Video]
One of the big questions federal employees have is when is the best day to retire? There are several things that you want to take into consideration. Let’s talk about FERS employees because that’s where most of the federal employees are at this point. Below…
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Do I Have Enough Money to Retire? [Video]
Do I have enough to retire…will I ever be able to retire? As you get closer and closer to retirement, anxiety can begin to build up around the idea of whether you’ll have enough money to retire. In other words, “What’s that magical number that…
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Invest in the Justice League
Imagine that the Joker is on the loose in Gotham City. He’s doing his normal Joker thing: robbing banks and breaking things, and he has Joker-dressed goons running all over the city. Not only that, but let’s say that the Riddler is also wreaking havoc.…
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What is Life Insurance?
The short answer is income replacement protection. But let’s dig in a bit deeper to see exactly what it means. The Real Purpose of Life Insurance Life Insurance is not a lottery ticket. It is simply meant to replace the income that is lost with…
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Irreversible Mistakes with Your Federal Benefits
Our recent post, Trust but Verify, showed that relying on your agency’s HR staff to determine your retirement qualifications can have serious consequences. There are many common mistakes that Federal Employees make regarding their benefits that can have irreversible effects, including the selection of FEGLI…
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The S&P 500, Federal Employee Retirement, and NASCAR
My dad loved to watch sports. Nothing made for a more perfect Saturday than a couple of college games on either side of the dial and a NASCAR race in between. It didn’t take a hometown team on the screen to make the outcome matter,…
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7 Myths About Financial Planning
Many people recognize the importance of financial planning today. Yet many still hold misconceptions about who can benefit from financial planning and how it can best benefit them. Myth #1: Financial planning is just for the wealthy. Financial planning isn’t about “getting wealthy”—it’s about helping…
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Start Saving Now
There’s an old saying, “The best time to plant an oak tree was 20 years ago.” Unfortunately, 20 years has passed, so the next best time to plant an oak tree is today. Poor Planning and a Poor Attitude We recently had a visit from…
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FEGLI: The Basics – Coverage Options
What is Life Insurance? Life Insurance is a contract. If you pay the insurance company a certain amount of money each month and if you pass away during the contract period, the insurance company will pay your beneficiary a fixed amount of money. What is…
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Federal Employees: Trust But Verify Before You Retire
For many long-term Federal Employees, the dream of retirement becomes tangible after reaching 20 or 25 years of creditable service, usually around ages 50 or 55. By then, you may even start counting the days until your retirement date. And hopefully, before that date comes,…
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Frequently Asked Questions You May Have If You Just Retired
You have most likely engaged in at least some retirement planning during your working life. You probably asked a lot of questions about how much you should save and even more so, how you can maximize your retirement resources. Once you finally reached retirement, you…
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What to Shred and What Not To Shred
Cleaning Up Do you ever wonder what you can send through the shredder? According to the Environmental Protection Agency, each year Americans dispose of more than 292 million tons of trash. Additionally, we recycle 94 million or so more. And, if your house is like…
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The 2021 Updates for Required Minimum Distributions
RMD Requirements for 2021 are back In March of 2020, the Coronavirus Aid, Relief, and Economic Security Act (also known as the CARES Act) waived the RMD requirements for 2020 for most taxpayers. This waiver was given to allow savers to leave the funds in…
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Happy Holidays & Happy New Year [Video]
Hello everybody, it’s been a while since Avi and I have met with you, but she wanted to make a Christmas video, and I thought that was a great idea. Happy Holidays, Merry Christmas, Happy Hanukkah and a Happy New Year. 2020’s been really, really…
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Santa is Retired
Santa Has Left the Building If you haven’t already heard, Santa gave up his breaking-and-entering delivery schedule long ago. Initially, Sears, Macy’s, and Nordstroms took over. Today, Amazon, Target, and Etsy have taken the reins. Instead of having to send long, heartrending petitions to Santa…
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Planning to Retire Within Five Years? Retirement Planning Questions You Should Consider Now
If you’re planning to retire within five years, you might be getting restless thinking about whether or not you’re financially ready. While five years isn’t long to finalize retirement planning, you can probably look forward to decades of retirement and, just as you would consult…
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7 Key Components of a Comprehensive Retirement Plan
In a 2019 survey, nearly half of all American adults reported having nothing saved for retirement. Another 19 percent had between $1 and $10,000 set aside, and 20 percent had between $10,000 and $100,000.This means that more than eight in every 10 adults have under…
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Economic Impact Payment Reminder [Video]
Hi, this is Josh Brunner from Medallion Financial. I was on the IRS website today and I came across an article. If anyone’s still waiting for their stimulus check to come in and haven’t received it, I would strongly encourage you to go to the…
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Retirement SMART Goals
You have probably heard of the term “SMART goals” before. The term has become a bit of a cliché these days and it’s almost impossible to listen to a motivational speaker or read a self-help guide without hearing the phrase. When something has become this…
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Living Below Your Means: 10 Things to Give Up That You May Never Miss
Sometimes you may find yourself in a tighter financial situation than expected. Maybe you’ve found yourself in the middle of a world wide pandemic. Maybe that paycheck didn’t reach as far as you had hoped. Maybe there were more expenses than you thought. Maybe taxes…
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Five Lessons I Learned As An Executor
Recently, I had the unfortunate experience of being an executor for my grandmother’s estate. When I agreed to do it, I never could have imagined what was in store. There was no amount of financial planning experience, seminars, blog posts, books, etc., that could have…
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Should You Buy That New Car?
If you’re like me, the prospect of being without a car is a scary one. Cars are what we use to get around, whether it’s a trip to a friend’s house, a restaurant, the grocery store, work, or anything else. And they cost a lot…
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43 Reasons Why You Need A Financial Advisor
FINANCIAL PLANNING Finance can be overwhelming. There are different laws, tax codes, and nuances to navigate. When it comes to your retirement, there can be deadlines that make or break an investment or withdrawal period. A certified financial adviser can help you navigate all of…
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5 Things Retirees Should Know About Social Security Benefits
For most Americans, Social Security will provide a significant portion of their income in retirement. It’s Important According to Social Security Administration (SSA) statistics, Social Security benefits account for about 34 percent of retirement income for the average American.1 One of the biggest mistakes today’s…
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Americans Underestimate Need for Long-Term Care
According to a survey conducted by USAA, only ¼ of U.S. adults believe they are likely to need long-term care, despite predictions from independent organizations that half of the American population is likely to need some form of this specialized and potentially costly health care…
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Don’t Panic
If you’ve been watching market headlines, you probably heard that markets tumbled in the first days of 2016, raising the specter of corrections and bear markets. When markets swing, it’s natural to worry about your investments and question your commitment to your strategy. As financial…
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Collapsing Life Insurance
Life Insurance. Those words are enough to make many people’s eyes roll over into the backs of their heads. Some people think it’s boring. Others simply don’t want to think about the fact that death is involved in anybody’s collection of “life” insurance. Still, each…
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Annuities: The Financial Swiss Army Knife
From politics to religion, it’s no secret that this country is sharply divided on many issues. Remember when Republican Ronald Reagan was President and Tip O’Neal was the Democratic Leader? Although the two great men often argued vehemently, their disagreements were never personal. Reason always…
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Chicken Little and The Stock Market Swoon
It’s no secret that the stock market is extremely volatile. The only guarantee is that it will go up and down, and wide swings can make even the savviest investor nervous. Sometimes it’s enough to make you want to pull out everything you’ve got. The…
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Retired Sports Stars- What they did after retirement
We see sports stars out on the field all the time. They’re sports stars, it’s what they do! We watch them and cheer them on. We celebrate when they win and are crushed when they are defeated. They represent cities and countries in various games.…
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Are Annuities Only Good for the Person Selling Them?
I was in the police station the other day getting fingerprinted (required by FINRA for all registered securities reps) and as I was pulling up my sleeves to stick my finger in the ink, the police officer asked me why I was there. When I…
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What are CDs and Annuities?
I’m always suspicious of those magazine ads selling socks or sweatshirts that say “one size fits all.” I’m a pretty big guy, with 50-inch shoulders, that still plays rugby with “The Old Boys Club.” However, my brother is tall and a little on the thin…
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How Does Life Insurance Work?
Let’s be honest: federal employee life insurance isn’t a pleasant topic. But it’s something most people eventually need, and it’s important to understand how it works. Simply put, with life insurance, you pay premiums to the insurance company so that the company will pay a…
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Life After Retirement: Fran Tarkenton
Retirement is the end goal for a lot of people. There are hundreds of different ways to save for retirement, and many people save fervently, looking forward to the day when they can stop working. But some people, including a series of famous figures, have…
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Inflation and Jurassic World
“Jurassic World,” just one of the summer’s major blockbusters, has been raking in the ticket sales. The fourth movie in the Jurassic franchise took just 13 days to reach $1 billion at the international box office, the quickest ever to do so (“The Avengers” took…
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What to Consider When Thinking About Getting an Immediate Annuity
In his book Living at the Next Level: Insight for Reaching Your Dreams, John Maxwell wrote, Every time you discover something new, ask yourself three questions: ‘Where can I use this?’ ‘When can I use this?’ and ‘Who needs to know it?’ This truth also…
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The Roth TSP, Remember Me?
This article was originally written by our own John Stohlman and posted on FedSmith.com. The Roth TSP, Remember Me? With all the talk about the TSP possibly opening up a mutual fund window and expanding withdrawal options, you may have forgotten that it also offers…
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Famous Federal Employees
Our nation is run by some amazing people. The men and women who work for the Federal Government are not only hard workers, but they are dedicated to doing great things for the citizens of our country. Many of them have gone on to become…
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Then and Now: The Stock Market Crashes of 1929 and 2008
Downton Abbey and the Inevitable One of the most popular shows on TV right now is Downton Abbey, the BBC’s historical drama about the residents of a grand manor house in the English countryside from 1912-1924. Since the show first began the family and servants…
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Building a Sufficient Retirement Nest Egg
It’s the same old story: you’re going about your everyday routine and then all of a sudden retirement comes into focus. Turning 50 and not having anything put away for retirement leaves you breaking out in a sweat at night as you try to fall…
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Required Minimum Distribution Deadline
The 15th of April, the nationally known Tax Day, is the deadline for everyone to file their taxes. However, that is not the only deadline this year in April. If you have money in a personal fund, such as an IRA, 401(k), Simplified Employee Pension,…
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Life After Retirement: Wayne Shipley, Filmmaker
An Amazing Second Career For most people, life after retirement is a time a to relax, travel, and spend more time with family and friends. It can really be what you make it, and a certified financial planner can help you plan for what you’d…
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Does Online Financial Planning Really Work? The Dawn of the Robo-Advisor
Just about anything nowadays can be done online, from paying bills to ordering groceries. There’s even been talk of finding ways to perform surgery via the internet. So why not financial planning? Welcome to the dawn of the robo-advisor; an algorithm designed to fill in…
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Life After Retirement: Shirley Temple More Than a Hollywood Icon
Though Shirley Temple was a child star that faded from the spotlight, she never ceased to be an iconic force in whatever she pursued. She had a career by the age of three and retired by the age of 22 and in a second marriage.…
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529 Plan vs. Life Insurance
The Media Debate It’s hard to turn on the TV or listen to the radio nowadays without hearing a commercial about investing in a 529 plan or buying insurance as a way to pay for college. A certified financial planner is an excellent resource to…
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Retired on a Cruise Ship: The Ultimate Form of Assisted Living
Contributing to a 401k retirement plan, hiring a personal financial adviser, and smart investments are all ways you can prepare for life after the workforce. And if you are lucky, you may be able to plan for a retirement as cool as “Mamma Lee”. Lee…
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Thrift Savings Plan Millionaires: An Example for Us All
The Number In December 2013, the government announced that the Thrift Savings Plan (TSP)’s millionaires had reached an all-time high of over 1,600. That may not seem too impressive when you consider that there are currently over 2.7 million Federal Employees. However, no one goes…
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Baby Boomers: Worse Off Than Their Parents in Retirement
2008: The Baby Boomers’ Swan Song A Businessweek Online article tells the story of Lee Manchester. Lee is a 61-year-old Baby Boomer. She worked hard her whole life and even tried to start her own business back in the 80’s. Today, she finds herself with…
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The Impact of Inflation on Your Federal Employee Retirement
Keeping Inflation in Mind When designing your retirement plan and investment portfolio, it is important to invest with the impact of inflation in mind. Inflation decreases your purchasing power over time and erodes investment returns. To maintain your standard of living over a federal employee…
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The Service Computation Date Comes in Five Flavors
This article was originally posted on FedSmith.com by John Stohlman. John has been working with clients to help them achieve retirement success since 1987 and is designated as a Certified Financial Planner (CFP®) and Chartered Federal Employee Benefits Consultant (ChFEBC®). The Service Computation Date (SCD)…
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Will You Outlive Your Money?
There are far more seniors living today than ever before. As a group, they are more active, healthier and more involved than any previous generation. However, this longevity and active lifestyle, which most of us call “livin,’” is expensive. In fact, with gas and food…
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Your 2015 Financial Resolutions
Weight, Taxes, and Memoirs In the weeks before Christmas we often dwell too much on what we don’t have or what we have not accomplished, instead of counting our blessings. We start making goals and resolutions, usually about losing weight, getting our taxes done early,…
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Passing Down the Good Life with Baking Cookies Holiday Traditions
Hawaiian Santa When I was a kid, I always wondered how it was possible to celebrate Christmas in a place where there wasn’t even the slightest chance of snow. If you live in Honolulu, does Santa come down the chimney in a Hawaiian shirt and…
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It’s Not a Bird or a Plane: It’s The S Fund!
Look! Up in the sky! We all remember that catchy 60’s theme song… Faster than a speeding bullet. More powerful than a locomotive. Able to leap tall buildings in a single bound. The Superman Fund If they were to print T-shirts for each of the…
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TSP Withdrawal Options: In-Service, Age-Based and Still Trucking
When it comes to TSP withdrawal options, three choices usually come to mind: early withdrawal due to financial problems, early withdrawal for a down payment on a house (exempt from the 10% early withdrawal penalty), or monthly withdrawals in retirement. Federal Employees often forget that…
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Are Federal Employees Not Putting Enough Money into the TSP?
The Head of BlackRock Speaks Larry Fink, the head of the company that manages all of the TSP funds (except the G fund), stated in the October meeting of the Federal Retirement Thrift Investment Board that he is concerned that Federal Employees are not putting…
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What Legacy Are You Going To Leave?
I have attended many industry seminars and conferences as a certified financial planner. I enjoy a good motivational speaker, but one that really sticks with me is Dr. Jerry Linenger, a retired U.S. Navy flight surgeon and NASA astronaut. Many Trials His story is reported…
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CSRS Voluntary Contribution Program – The Additional Annuity Option
A Big Benefit With a Cinderella Story While the CSRS Voluntary Contribution Program (VCP) can be a great benefit for CSRS employees, it is often given far less attention than the CSRS retirement annuity and the FEHB plan. However, the VCP offers great options like…
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Medicaid and Money
Getting old is not for sissies. Especially if one’s health begins to fail. Yet most of us will agree that getting old sure beats the alternative. Yeah, James Dean, Marilyn Monroe, and Bruce Lee are forever young in our minds, but they missed a whole…
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Halloween Reflections and 3 Scary Facts About Retirement
As a certified financial planner, I have seen some pretty scary things. Forget the ghouls, goblins, and ghosts of Halloween time! They don’t hold a candle to the horror of not planning for retirement. It’s All About the Chocolate There’s a house in my neighborhood…
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The CSRS Survivor Annuity vs. Life Insurance: The Dilemma
When planning for your future, as a Civil Service Retirement System employee, one of the considerations you need to make is which CSRS survivor benefits you want to choose for your spouse. Although there are a few beneficiary designation options to consider such as FEHB…
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TSP Rollovers: A Scandal in the Making?
TSP Rollovers Make Bad Press Lately, there has been a splash of negative articles about feds choosing to roll their TSP accounts over to IRA’s and managing funds themselves. 45% of federal retirees take their money out of the TSP, causing a reduction of about…
Read More in Annuities, Life After Retirement, Retirement, Retirement Planning by
Medallion Group Oct 27, 2014
Thrift Savings Plan Withdrawal Options: Enjoying the Nest Egg
Time to Withdraw from Your TSP? You have retired from the Federal Government. Your Thrift Savings Plan (TSP) is brimming with your contributions, the government’s matching contributions, and the growth of these investments. The question is, what should you do with this basket full of…
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Kathleen Casey-Kirschling: The First Baby Boomer
If you are a member of the Baby Boomer generation, you are in the process of or perhaps have already began retirement. It can be complicated to navigate, and getting someone to help with with planning your federal employee retirement benefits and policies is a…
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5 Commonly Used Financial Idioms and Their Origins
Did you ever wonder where the phrase “make money hand over fist” comes from? You probably know what it means intuitively, but if you break it down word for word, it just makes no sense. Yet people use it every day on television, at work,…
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Is $1 Million Enough to Retire Today?
One of the most important Financial Planning questions is, “How much money will I need to retire?“ The problem is that there is no magic number that is right for everyone, and it is always a great idea to consult a retirement financial adviser. But…
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Social Security Spousal Benefits for Federal Employees
Social Security for Federal Employees Navigating the Social Security benefits system is difficult enough for an individual, and it becomes even more complicated when trying to coordinate your benefits with your spouse. It is important to analyze your options and create a plan that will…
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Federal Employee Life Insurance Basics
The Value in Just the Basics Federal Employee Life Insurance has many options but what is often lost with having so much choice is the value of the Basic coverage. The Basic Federal Employee life insurance provided by FEGLI is a valuable Federal benefit that…
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Service Computation Date: The Key to Your Federal Benefits
There are potentially five different Service Computation Dates (SCD) that you should be familiar with. They are used to determine your leave accrual rate, career tenure, in grade pay increases, retirement eligibility, retirement annuity, retention position during a reduction in force, and TSP vesting. For…
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C Fund, F Fund, and I Fund of the Thrift Savings Plan
The C,F, and I Funds are three of the five funds in the Federal Government’s Thrift Savings Plan (TSP). BlackRock Institutional Trust Company, N.A., of BlackRock, Inc., the largest money manager in the world with over $4.5 trillion under management, manages the C,F, and I…
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Reviewing Your SF-50 (with an infographic)
Your SF-50 may be the most important document you have when it comes to your federal benefits. The information on its pages has the power to affect your retirement date, vacation and sick leave accrual, pension vesting, and more. It pays to make sure the…
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Beneficiary Review
Back in 2012, Forbes online published an article titled “ Dead man’s outdated beneficiary documents give one million to ex-wife.” Can you imagine? This guy would probably be turning in his grave if he realized that he accidentally gave one million dollars to the wrong…
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What You Need to Know About DIY Financial Planning
Planning for your own retirement can be stressful, to say the least. Will I have enough money to live? Am I doing it right? What am I missing? Unfortunately, do-it-yourself financial planning often leads to emotional decisions—buying high, selling low, chasing last years’ success stories……
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FEGLI: Not Another Pasta Course
When you started your job in one of those cavernous government buildings downtown, you probably knew that you were sacrificing the dream of a corner office or keys to the partners’ restroom in exchange for the infamous federal government employee benefits. The vacation, sick leave,…
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Thrift Savings Plan Funds – A World of Options?
Federal Employees with a Thrift Savings Plan (TSP) have five different funds to choose from. From the ultraconservative G Fund, which invests in short term US Treasuries; to the relatively aggressive I Fund, an investment in a stock index fund that tracks large companies in…
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Is Lunch Killing Your Retirement?
There are so many different retirement savings calculators online. Search the phrase on Google and you’re likely to overload its servers with the possibilities. True, it’s not trending like one of the Kardashian sisters, but we’re talking about retirement savings calculators, not a lead story…
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Medallion Financial Group is Starting a Revolution
Surfing the web to learn about your federal employee retirement benefits? The options don’t look so great, do they? You can try to sift through the textbook-style mountains of data, or read a million articles that are pretty much cut-and-pasted from OPM’s website (and take…
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