Category: Todd Carmack

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Why Public Employees Dream of Early Retirement But Often Overlook the Hidden Costs and Penalties

Key Takeaways
Early retirement can look attractive but often comes with financial trade-offs that reduce long-term security.Understanding pension reductions, healthcare costs, and

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FEHB Premium Hikes That Shape the Retirement Budgets of Federal Employees Entering 2025 Healthcare Markets

Key Takeaways
FEHB premiums in 2025 rise at the sharpest pace in over a decade, increasing average retiree costs significantly and altering

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Government Retirement Planning Has Changed—But Most People Are Still Using a 1990s Playbook

Key Takeaways
Retirement planning for government employees in 2025 requires updated thinking a…

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Retiring From Public Service in 2025 Feels Like a Moving Target—Here’s How to Stay Ahead

Key Takeaways
Retiring from public service in 2025 involves more moving parts than in past decades. You need to adapt your strategy to align with evolving rules, benefits, and expectations.From s…

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TSP Contributions Are Changing—Here’s What Federal Workers Need to Know About New Limits in 2025

Key Takeaways

The TSP contribution limits have increased in 2025, giving federal wo…

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FEHB Still Sets the Standard: How Federal Workers Can Use It to Save Big in 2025

Key Takeaways:
Federal Employees Health Benefits (FEHB) remains a cornerstone of a…

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