FEGLI in Retirement: The Premium Ramp Nobody Warns You About
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.
The TSP Tax Trap at the Second Passing
When the Choice Isn't Yours: How Involuntary Separation Changes the FSPS Math
Sequencing Your TSP in Retirement: The Foreign Service Timeline
The Golden Handcuffs of the FSPS: What Leaving the Foreign Service Early Really Costs
The FSPS is deliberately back-loaded — and the difference between leaving at year 15 and year 20 isn't five-twentieths of a pension, it's most of the pension. Here's what a voluntary early departure really forfeits: the 1.7% multiplier, the annuity supplement, and retiree FEHB — and how to run the break-even math against a private-sector offer.