Plain-English explanations of FERS, TSP, Social Security, FEHB, and 2026 tax planning — written specifically for federal employees.
MRA+10 lets you leave federal service as soon as you hit your Minimum Retirement Age with 10 years of service — but your pension is permanently reduced 5% for every year you're under 62. Here's when it makes sense and when deferral is the smarter move.
Read article →The FERS Supplement bridges the gap between early federal retirement and Social Security eligibility at 62. Here's exactly how it works, who gets it, how it's calculated, and what the earnings test means for you.
Read article →The 2026 elective deferral limit is $24,500. Employees 50+ can contribute $32,500. Ages 60–63 qualify for the super catch-up: up to $35,750 total. Here's how to maximize the agency match and whether Traditional or Roth TSP makes more sense.
Read article →Step-by-step: the 1% multiplier, high-3 salary, MRA eligibility rules, the 1.1% bonus at 62, and special category formulas for LEO, firefighters, and air traffic controllers.
Read article →Ready to put these numbers to work?
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