Category: Betty Morales

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CSRS Eligibility: Requirements, Pros and Cons, and Is It Still Available?

Key Takeaways

CSRS is mostly closed to new federal employees, but understanding eligibility and requirements remains important for those under the plan.
Weighing the pros and cons of CSRS can help you make informed decisions about y…

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Why Updating Your Beneficiary Designations Matters More Than Your Will in Protecting Your Retirement Assets

Key Takeaways

Timely review and update of beneficiary designations is essential to ensuring your assets pass smoothly to intended recipients.
Beneficiary forms often override wills, making accuracy and maintenance of these forms a t…

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COLA Rules for FERS vs CSRS: Key Differences in Federal Retirement Increases

Key Takeaways

FERS and

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Comparing Federal Retirement Planners vs Generalists: Myths vs Facts

Key Takeaways

Federal retirement planners offer unique expertise tailored to public sector benefits.
Understanding planner qualifications and asking the right questions can prevent common retirement errors.

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Q&A: Bucket Strategy Using TSP and Cash Reserves for Public Sector Retirees

Q&A: Bucket Strategy Using TSP and Cash Reserves for Public Sector Retirees

Key Takeaways

Using your

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Building a Retirement Plan for Federal Couples: Best Practices and Strategies

Key Takeaways

Coordinating federal retirement benefits as a couple can unlock greater financial security and flexibility.

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