<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[Carrington Financial Planning - Fee-Only Fiduciary for Foreign Service]]></title><description><![CDATA[Financial planning insights for U.S. Foreign Service families — FSPS, TSP, FEHB, and retirement — from a fee-only CFP® specializing in the Foreign Service.]]></description><link>https://carringtonfp.com</link><generator>RSS for Node</generator><lastBuildDate>Wed, 10 Jun 2026 23:35:50 GMT</lastBuildDate><atom:link href="https://carringtonfp.com/foreign-service-money-matters-blog/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The FSPS Survivor Annuity: A Permanent Decision You Make Under Pressure]]></title><description><![CDATA[Buried in your retirement paperwork is one election that shapes your spouse's security for life — and you can't undo it once your annuity starts. Here's how to weigh the survivor annuity before the form-signing scramble.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fsps-survivor-annuity-election</link><guid isPermaLink="false">6a28ad4801cb6cb049fc6c0e</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 27 Jul 2026 12:22:42 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/o9GEOlOpP48W/Gemini_Generated_Image_4sx1m94sx1m94sx1.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Keeping FEHB for Life: The 5-Year Rule and the Gaps That Catch Foreign Service Families]]></title><description><![CDATA[FEHB for life is one of the best things a federal career produces — but you keep it only if you clear the 5-year rule going in, and your spouse keeps it after you're gone only if you clear another. Both trip up Foreign Service families.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fehb-into-retirement-five-year-rule</link><guid isPermaLink="false">6a28ac5b01cb6cb049fc6b39</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 20 Jul 2026 12:17:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/kEipewcOjEct/Gemini_Generated_Image_3n6ccp3n6ccp3n6c.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Medicare Part B and FEHB: How to Think About the Decision at 65]]></title><description><![CDATA[Around 65, every federal retiree with FEHB faces the same fork: pay for Medicare Part B too? Roughly half do. Here's how to reason through it — including the one factor most guidance ignores for people who retire abroad.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/medicare-part-b-fehb-federal-retirees</link><guid isPermaLink="false">6a28ab3401cb6cb049fc6a5e</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 13 Jul 2026 12:13:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/K_pdAmxM56QI/Gemini_Generated_Image_u9jhj1u9jhj1u9jh.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[FEGLI in Retirement: The Premium Ramp Nobody Warns You About]]></title><description><![CDATA[FEGLI is almost invisible during your career. Then you near 65, and some coverage becomes free while other pieces get dramatically more expensive. Here's the one-time, permanent election to get right before you retire.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fegli-in-retirement-reduction-elections</link><guid isPermaLink="false">6a28a8c8c453b36b7a939b57</guid><pubDate>Mon, 06 Jul 2026 12:09:20 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/MbKF4OC9K07E/Gemini_Generated_Image_fzgvlafzgvlafzgv.jpeg"/></item><item><title><![CDATA[State Income Tax and the Foreign Service: Your Domicile Is a Decision, Not an Accident]]></title><description><![CDATA[You can spend three years at post without setting foot in your "home" state — and that state may still tax every dollar of your salary. Or none of it. The difference is domicile, and most people drift into it instead of choosing it.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/foreign-service-state-tax-domicile</link><guid isPermaLink="false">6a28a65301cb6cb049fc660e</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 29 Jun 2026 11:56:25 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/q5hTqAwnvY9k/Gemini_Generated_Image_bkn72ubkn72ubkn7.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Your Hardship Posts Won't Boost Your Pension: How the FSPS High-3 Actually Works]]></title><description><![CDATA[Total compensation at a tough post can run far above base salary, so it feels like those years should count for more toward your pension. They don't. Here's the figure your FSPS annuity is actually built on.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fsps-high-3-pension-differentials</link><guid isPermaLink="false">6a28a3d601cb6cb049fc63be</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 22 Jun 2026 11:48:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/1Ndj_in8mOsE/Gemini_Generated_Image_smipedsmipedsmip.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[The Foreign Service Student Loan Benefit Most People at Hardship Posts Miss]]></title><description><![CDATA[If you're carrying student loans and serving at a hardship or danger-pay post, the Department may pay them down — up to $10,000 a year. It's been funded every year since 2002, and a striking number of eligible employees never apply.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/foreign-service-student-loan-repayment-slrpmd</link><guid isPermaLink="false">6a289fc9bec73e408f17d8a1</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 15 Jun 2026 11:37:36 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/7U45e-ytJ1r4/Gemini_Generated_Image_9a4uqi9a4uqi9a4u.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Roth In-Plan Conversions Come to the TSP — and Most Foreign Service Employees Should Wait]]></title><description><![CDATA[The TSP now lets you convert traditional balances to Roth without leaving the plan. It's a useful tool — and an easy way to make an expensive mistake if you reach for it during your peak-earning years. Here's how to think about timing.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/tsp-roth-in-plan-conversions-foreign-service</link><guid isPermaLink="false">6a289cbb01cb6cb049fc5dd1</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Tue, 09 Jun 2026 12:39:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/M7L8EfEk894p/Gemini_Generated_Image_gwvzgegwvzgegwvz.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Understanding FERS Pension Options for Eligible Family Members]]></title><description><![CDATA[By the time the principal employee retires, many EFM spouses have quietly accumulated 10 to 15 years of FERS service. Here's what that benefit is worth — and what decisions need to be made.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fers-pension-options-foreign-service-efm</link><guid isPermaLink="false">6a036f1514fc39c5f14f68dd</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 25 May 2026 06:46:21 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/-VDGQP6eCY1w/Gemini_Generated_Image_pm54tpm54tpm54tp.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Section 121(d)(9): The Capital Gains Exclusion Extension Every Foreign Service Employee Should Know]]></title><description><![CDATA[A provision of the tax code written specifically for Foreign Service employees can save tens or hundreds of thousands of dollars when selling a US home after a long overseas career. Here's how Section 121(d)(9) actually works.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/section-121d9-the-capital-gains-exclusion-extension-every-foreign-service-employee-should-know</link><guid isPermaLink="false">6a036bd3b9a64472a25c0d43</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 18 May 2026 06:58:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/40ljaf0xY6ns/Gemini_Generated_Image_sykwjmsykwjmsykw.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[FERS, FSPS, and the 1.7% Multiplier: Your Federal Pension Explained Part 2 of 2]]></title><description><![CDATA[The FSPS pension is the largest benefit in a Foreign Service total compensation package — and the most often misunderstood. Here's how the FSPS formula compares to FERS, in formulas and in dollars.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/fers-fsps-and-the-17-multiplier-your-federal-pension-explained-part-2-of-2</link><guid isPermaLink="false">6a03620cb9a64472a25bfc11</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Fri, 15 May 2026 06:57:10 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/PhzJnySSxSnb/Gemini_Generated_Image_a95yuma95yuma95y.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Decoding Your GRB Statement: A Foreign Service Guide to Federal Total Compensation Part 1 of 2]]></title><description><![CDATA[Most Foreign Service employees see their Total Compensation Statement once a year and move on. The red slice — "Agency Cost for Federal Benefits" — is where things get fuzzy. Here's what's actually in it.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/decoding-your-grb-statement-a-foreign-service-guide-to-federal-total-compensation-part-1-of-2</link><guid isPermaLink="false">6a0326ccb9a64472a25b80dd</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 11 May 2026 06:55:36 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/PE0oFo98nBve/Screenshot-2026-05-12-at-91538-AM.png"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[The FSPS Annuity Supplement, Explained: How the Bridge to Social Security Works for Foreign Service Retirees]]></title><description><![CDATA[For Foreign Service employees retiring before age 62, the FSPS Annuity Supplement bridges the gap between retirement and Social Security. Here's how it actually works.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/the-fsps-annuity-supplement-explained-how-the-bridge-to-social-security-works-for-foreign-service-retirees</link><guid isPermaLink="false">69ff5003caf21772b347300e</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Fri, 08 May 2026 06:52:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/XSN6taMjc0Ta/Gemini_Generated_Image_sdpl6lsdpl6lsdpl.jpeg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Roth TSP and RMDs After SECURE 2.0: What Changed and Why It Matters for Foreign Service Retirees]]></title><description><![CDATA[SECURE 2.0 eliminated lifetime RMDs from Roth TSP starting in 2024. Here's what changed and how Foreign Service retirees should rethink the TSP rollover decision.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/roth-tsp-and-rmds-after-secure-20-what-changed-and-why-it-matters-for-foreign-service-retirees</link><guid isPermaLink="false">69fd276c4f1f2b872b1a3b0b</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Thu, 07 May 2026 06:50:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/BmRSGh09fH89/Capitol_Building_Full_View.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[2026 TSP Update: Navigating New Limits and Roth Requirements]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/2026-tsp-update-navigating-new-limits-and-roth-requirements</link><guid isPermaLink="false">698119d6d73620a3918a6611</guid><pubDate>Mon, 02 Feb 2026 12:28:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/Fm6LvpZDPE1P/Thrift-Savings-Plan-Logo.png"/></item><item><title><![CDATA[The A-100 Financial Survival Guide: 5 Smart Moves for New Foreign Service Officers]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/the-a-100-financial-survival-guide-5-smart-moves-for-new-foreign-service-officers</link><guid isPermaLink="false">697933cbb765f6a222db04a4</guid><pubDate>Tue, 27 Jan 2026 12:30:42 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/7F72hFeTPEAX/860x394.jpg"/></item><item><title><![CDATA[TSP Update: The New In-Plan Roth Conversion & The "Tax Valley" Strategy]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/tsp-update-the-new-in-plan-roth-conversion-and-the-tax-valley-strategy</link><guid isPermaLink="false">69793206b765f6a222db0249</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Tue, 27 Jan 2026 09:47:17 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[5 Steps for Handling an Unexpected Tax Bill]]></title><description><![CDATA[Getting stuck with an unexpected tax bill can be stressful and unsettling. Here are five ways to reduce your tax bill to a more manageable size.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/5-steps-for-handling-an-unexpected-tax-bill</link><guid isPermaLink="false">64076c5b4aa6562944fe85d6</guid><pubDate>Tue, 07 Mar 2023 04:54:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/featured_5stepsforhandlinganunexpectedtaxbill.jpg"/></item><item><title><![CDATA[5 Financial Goals for the New Year]]></title><description><![CDATA[Start the year off right by getting started on these five top financial goals.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/5-financial-goals-for-the-new-year</link><guid isPermaLink="false">63b88e3862b3eddcc35ae3f0</guid><pubDate>Fri, 06 Jan 2023 09:10:16 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/featured_5financialgoalsforthenewyear_article.jpg"/></item><item><title><![CDATA[Medicare Open Enrollment Begins Oct. 15th. What Does That Means For Me?]]></title><description><![CDATA[Are you ready for Medicare's open enrollment? Here are a few changes you can make to your health coverage during this time.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/medicare-open-enrollment-begins-oct-15th-what-does-that-means-for-me</link><guid isPermaLink="false">615efe7299237e12ff0dabb4</guid><pubDate>Thu, 07 Oct 2021 14:06:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/understanding-medicare-open-enrollment.jpg"/></item><item><title><![CDATA[9 Questions to Ask Yourself During the Estate Planning Process]]></title><description><![CDATA[You want to check off all the boxes when it comes to making an estate planning strategy. But it can be hard to see what you may still be missing. As you work with your financial professional, start by reviewing these 9 questions.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/9-questions-to-ask-yourself-during-the-estate-planning-process</link><guid isPermaLink="false">615efe5e99237e12ff0dab9a</guid><pubDate>Thu, 07 Oct 2021 14:04:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/9-questions-to-ask-yourself-during-the-estate-planning-process_featured.jpg"/></item><item><title><![CDATA[Reviewing Unique Opportunities for Foreign Service Retirement on "The Embassy Wealth Podcast"]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/reviewing-unique-opportunities-for-foreign-service-retirement-on-the-embassy-wealth-podcast</link><guid isPermaLink="false">60957cf068467e1440147d08</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Fri, 07 May 2021 05:53:26 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[What Is an NFT?]]></title><description><![CDATA[NFTs are one of the latest buzzworthy investment trends - but what exactly are they? We've got your biggest questions answered.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/what-is-an-nft</link><guid isPermaLink="false">6092cdc705e77d207d12df4e</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Wed, 05 May 2021 05:48:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/featured_what-is-an-nft.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Socially Responsible Investing (SRI) Is Trending in 2021. If You Haven't Considered It, Here's What Might Change Your Mind]]></title><description><![CDATA[If recent events have ignited a passion for realigning your wealth with your values, socially responsible investing may be right for you.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/socially-responsible-investing-sri-is-trending-in-2021-if-you-havent-considered-it-heres-what-might-change-your-mind</link><guid isPermaLink="false">6092cde8e8cb1e2823ec4bd3</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Wed, 05 May 2021 05:48:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/sociallyresponsibleinvesting.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Protecting Senior Citizens From Online Scams]]></title><link>https://www.attinternetservice.com/resources/senior-citizens-guide/</link><guid isPermaLink="false">5f5c02c5de03ff2ae13e48c8</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Fri, 11 Sep 2020 05:48:30 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Buyer Beware! SEC’s New “Regulation Best Interest” Isn’t What You Think]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/buyer-beware-secs-new-regulation-best-interest-isnt-what-you-think</link><guid isPermaLink="false">5f2ec5207e5f267ec580052c</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Sat, 08 Aug 2020 05:48:48 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Top Cyber Security Tips to Utilize While Working From Home]]></title><description><![CDATA[As millions of Americans continue to work from home, it's important that you utilize cybersecurity measures even when you are not at the office. These 8 tips can help keep your work secure.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/top-cyber-security-tips-to-utilize-while-working-from-home</link><guid isPermaLink="false">5ec6cdec26df475b609489c9</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Thu, 21 May 2020 05:48:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/top_cyber_security_tips_to_utilize_while_working_from_home.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Creating A Sound Financial Plan Starts With Accurate Data About Your Income And Benefits]]></title><description><![CDATA[Creating A Sound Financial Plan Starts With Gathering Information About Foreign Service Benefits, TSP, And Social Security.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/creating-a-sound-financial-plan-starts-with-accurate-data-about-your-income-and-benefits</link><guid isPermaLink="false">5ebeb876495e0d5079b516b6</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Tue, 19 May 2020 05:48:16 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/aF7Gm9eTksa/cropped/Four-Important-Sources-of-Information.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Financial Planning for the Foreign Service Part 2 - Investing (2020)]]></title><description><![CDATA[Financial Planning for the Foreign Service Part 2 - Investing (2020)]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/financial-planning-for-the-foreign-service-part-2-investing-2020</link><guid isPermaLink="false">5ec303de9fd07a4394f4e0ec</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 18 May 2020 10:22:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/flkuuSumQli/Webinar-Part-2.png"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Financial Planning for the Foreign Service Part 1 (2020)]]></title><description><![CDATA[Financial planning webinar for the Foreign Service Part 1.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/financial-planning-for-the-foreign-service-part-1-2020</link><guid isPermaLink="false">5ec30333b6a2eb0dfd953172</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 18 May 2020 10:20:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/M03iQvjJX4U/Webinar-Part-1.png"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[How Thorough Is Your Retirement Income Plan?]]></title><description><![CDATA[Financial peace of mind comes from having confidence in your plan. Modern financial planning tools allow us to create plans with clarity that remove the guesswork from retirement income planning. ]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/how-thorough-is-your-retirement-income-plan</link><guid isPermaLink="false">5ebeb9b3495e0d5079b516ba</guid><pubDate>Fri, 15 May 2020 14:23:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/RJeJ0BMlAJB/cropped/Retirement-Cash-Flow-Graph.png"/></item><item><title><![CDATA[Your Social Security Benefits Are Based On The Average Highest 35 Years Of Earnings]]></title><description><![CDATA[While your FS pension is based on the average of your highest 3 consecutive years of income, your Social Security benefit is based on your highest 35 years of income.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/your-social-security-benefits-are-based-on-the-average-highest-35-years-of-earnings</link><guid isPermaLink="false">5ebebc53f0a5356bb6fbde0f</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 11 May 2020 13:44:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/50S1U_BIhdw/SSA-Earnings-Record.png"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Decisions You Need To Make When Managing Your TSP.]]></title><description><![CDATA[Workflow for the decisions you need to make when managing your Thrift Savings Plan (TSP). ]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/decisions-you-need-to-make-when-managing-your-tsp</link><guid isPermaLink="false">5ec2c76b92e56e0dc996bd47</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 04 May 2020 14:26:57 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/vgQJl6CATQn/cropped/TSP-Management.png"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Lessons from the COVID-19 Crisis Regarding Financial Literacy]]></title><description><![CDATA[The COVID-19 crisis has underscored the importance of financial literacy, particularly the need to budget for unexpected emergencies. ]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/lessons-from-the-covid-19-crisis-regarding-financial-literacy</link><guid isPermaLink="false">5eab1d68e72ae60b5123544f</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Thu, 30 Apr 2020 05:50:11 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[An Overview of the Newly Passed $484 Billion COVID-19 Relief Package]]></title><description><![CDATA[A new $484 billion relief package has been passed. For business owners who previously missed out, this is another opportunity to receive federal assistance.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/an-overview-of-the-newly-passed-dollar484-billion-covid-19-relief-package</link><guid isPermaLink="false">5ea9c520e9f8927ee03990a3</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Wed, 29 Apr 2020 07:09:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[How Does Your Foreign Service Pension Grow?]]></title><description><![CDATA[Under the FSPS (Foreign Service Pension System) your pension accrues at a rate of 1.7% for the first 20 years of service and then 1% for each additional year.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/how-does-your-foreign-service-pension-grow</link><guid isPermaLink="false">5ebeb670f0a5356bb6fbddef</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 27 Apr 2020 13:45:07 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5d9358eaaf70c62610a47868/1hg-F0QTQ-P/FSPS-Pension-1.jpg"/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[Mortgage Refinancing: How the Market Downturn Has Provided an Interesting Opportunity]]></title><description><![CDATA[While concerns related to COVID-19 continue to increase, the average mortgage rate has fallen to an all time low, prompting a wave of refinancing activity.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/mortgage-refinancing-how-the-market-downturn-has-provided-an-interesting-opportunity</link><guid isPermaLink="false">5e94bbd070c7114d6197c9f9</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 13 Apr 2020 06:52:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[New Federal Long-Term Care Insurance Offering Available]]></title><link>https://carringtonfp.com/foreign-service-money-matters-blog/new-federal-long-term-care-insurance-offering-available</link><guid isPermaLink="false">5e9495de7569356b7c991fd0</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Wed, 30 Oct 2019 16:41:10 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item><item><title><![CDATA[How Much Do You Contribute to Your FERS Pensions?]]></title><description><![CDATA[Do you know how much you are contributing to your retirement pension each pay period? Below is a table of the three existing contribution levels that are based on hire date. Newer employees pay a lot more for their pensions.]]></description><link>https://carringtonfp.com/foreign-service-money-matters-blog/how-much-do-you-contribute-to-your-fers-pensions</link><guid isPermaLink="false">5e9496987569356b7c991fd8</guid><category><![CDATA[Foreign Service Money Matters]]></category><pubDate>Mon, 08 Apr 2019 13:45:40 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://carringtonfp.com/foreign-service-money-matters-blog/category/foreign-service-money-matters" slug="foreign-service-money-matters" name="Foreign Service Money Matters"/></item></channel></rss>