About Betty Morales
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Betty Morales has been an approved member of the affiliate Network since 20 February 2019
TSP Rollover Explained: Steps for Federal Retirees and Timing Rules in 2026
Key Takeaways Understanding and following TSP rollover steps and timing rules is critical to avoid penalties and unintended taxes. Federal...
Roth Versus Traditional: Federal Employee Retirement Trends for 2026
Key Takeaways Federal retirement trends show a shift toward Roth contributions as policies and the 2026 landscape evolve. Understanding tax...
How to Use Living Benefits to Support Federal Retiree Healthcare and Income
Key Takeaways Living benefits can help federal retirees cover healthcare expenses and supplement retirement income. Understanding plan specifics and asking...
7 Key Glidepath Design Strategies for TSP Investors Nearing Retirement
Key Takeaways Revisiting your risk tolerance and asset allocation as you near retirement can reduce volatility and sequence risk in...
Market Volatility Best Practices: Protecting Federal Retirement Savings in 2026
Key Takeaways Diversification and regular portfolio reviews can help mitigate the impact of market volatility on federal retirement accounts. Staying...
Q&A: Mandatory Separation Ages and Waivers—Rules, Flexibility, and Impact
Key Takeaways Mandatory separation ages affect certain federal positions and can influence when you retire. Waivers and flexible planning options...