Curated articles and podcasts from trusted financial experts and real retirees.
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ProFeds Founder, Chris Kowalik, assesses the inherent risk current facing the federal workforce and how agencies' RIF policies could leave many federal employees looking for work in the near future. K...
ProFeds Founder, Chris Kowalik, makes some observations about what we’ve learned so far about the original Deferred Resignation offer to help federal employees better navigate this next round of...
ProFeds Founder, Chris Kowalik, introduces the Reduction in Force training series that she developed exclusively for federal employees facing a monumental government-wide downsizing. She describes the...
FROM THE ARTICLE: How House-Sharing Can Help Your Retirement Plan Rent-paying roommates can provide extra income, offset housing costs and help you age in place. By Jane Wollman Rusoff, AARP. *** Ther...
ProFeds Founder, Chris Kowalik, sheds light on what military veterans should know if they are going through a RIF process. KEY TAKEAWAYS: Ensuring your veterans preference is in your service record Pr...
ProFeds Founder, Chris Kowalik, reviews the rules for getting the FERS Special Retirement Supplement for employees who are RIF’ed. KEY TAKEAWAYS: Explanation of the FERS Supplement Who gets the ...
ProFeds Founder, Chris Kowalik, discusses what happens if an employee wishes to return to federal service after being RIF’ed. KEY TAKEAWAYS: What processes are in place to facilitate a return to...
ProFeds Founder, Chris Kowalik, helps federal employees understand what happens to their unused annual leave and sick leave if they are RIF’ed. KEY TAKEAWAYS: Rules for annual leave payout Rules...
ProFeds Founder, Chris Kowalik, dives into a popular question about if it is better to quit/resign before being RIF’ed. KEY TAKEAWAYS: What happens if you quit/resign? What options employees hav...
ProFeds Founder, Chris Kowalik, discusses various ways employees can “volunteer” for a RIF and what causes them to be eligible to do so. KEY TAKEAWAYS: The best time to volunteer What caus...
ProFeds Founder, Chris Kowalik, explores what happens during a RIF for employees who have less than 5 years of federal service. KEY TAKEAWAYS: What happens to the money already paid into FERS What hap...
ProFeds Founder, Chris Kowalik, explores what happens when an employee is facing a RIF, but doesn’t qualify for an early out or a discontinued service retirement. KEY TAKEAWAYS: Requirements to ...
ProFeds Founder, Chris Kowalik, reviews how federal employees who are already eligible to retire will be affected by a RIF action. KEY TAKEAWAYS: What it takes to be “fully-eligible” to re...
ProFeds Founder, Chris Kowalik, contrasts the Reduction-in-Force with the recent “Deferred Resignation” offer to help employees understand the stark difference between these two actions. K...
ProFeds Founder, Chris Kowalik, compares Early Out offers, Cash Incentives, and Discontinued Service Retirements. KEY TAKEAWAYS: Tools available to agencies during a Reduction-in-Force Explanation of ...
With the NHR benefit retiring and pension taxes increasing, you might rethink your retirement plans in Portugal....
Although age is important, it should only be one of the factors that you consider when determining when to file for Social Security benefits....
Do you live in this New England state with the heftiest check? Your Social Security benefit can be affected by where you live....
Portable Retirement Plans allow employees to take their retirement savings with them when they change jobs without losing their accumulated savings....
As you pass through each decade of working life and build wealth for retirement, watch out for the financial traps that can hinder your progress....
Now that WCICON25 is officially over, let's go behind the scenes while I tell you some of my favorite stories from the conference. The post Highlights and Behind the Scenes Stories from WCICON25 (Wher...
As discussed in previous posts, your Funded Status is an easily calculated, robust metric used to measure your financial health in retirement. Measuring and monitoring your Funded Status annually can ...
Ever check your bank statement and wonder where your money went? Companies are experts at sneaking in fees you don’t even notice. These aren’t big, obvious charges. They’re tiny, rou...
Thank You for Making Our Conference a Success! On behalf of our entire team, we want to express our sincere ... Read more...
What's the point of all these income strategies in retirement? Let’s look at the risks and benefits of some and why you might consider them. The post Retirement Income Strategies — And Her...
With fears of a recession rising again largely thanks to the Trump administration’s aggressive policy measures—tariffs, spending cuts, aggressive layoffs, and an increasingly combative tra...
Frugal living gets a bad reputation. People hear “frugal” and think of extreme penny-pinching, boring budgets, and saying no to everything fun. That’s not the reality. It’s abo...
Treasure Valley Silver Award – Sponsored by B.O.S.S. Retirement Solutions & Advisors bySophia DoumaniTo read on CBS2 News, Click Here BOISE, Idaho (CBS2) —One in three youths who age o...
To read on Yahoo Finance, Click Here Salt Lake City, Utah, March 4, 2025 — One of the most comprehensive retirement planning books is celebrating its latest edition with an…...
If the Social Security Trust Fund runs out of money in less than 10 years… When is the optimal time to file for your benefits? Don’t miss the latest episode…...
Living in Brazil offers affordability, magical rainforests, and a lively beach vibe. It is a great retirement landing spot — but do your homework first....
Tax loss harvesting is a strategy that can help minimize taxes in your investing plan. In this post, I asked ... Read more...
Just because you don’t anyone to leave your money to doesn’t mean you shouldn’t plan for what happens to your estate when you die....
Life will inevitably throw challenges at you as you get older. But making a flexible retirement plan — and monitoring it regularly — can help you overcome them....
If you can't stand the chaos, maybe you can walk off into the sunset of retirement. Here are some thoughts on how to figure out if that would work for you....
The most complicated routine question for investors is the annual dilemma about Roth contributions and conversions. Here's what to know. The post Should You Do a Roth Contribution or Conversion? appea...
I’m looking to retire at the end of 2026 (hopefully not get retired this year) and just starting to plan the financial stuff. I got wiped out in divorce at 48 so very proud of myself for even be...
I am 65 YO and currently working. My previous job had a pension. I received a letter saying I am now eligible to draw that pension. Can I draw from this pension while still working? Should I ? Backgro...
Recent home sales data isn’t likely to lift the moods of buyers or sellers navigating a very challenging market, but there are signs of new life as spring nears....
Spending on home renovations is expected to reach $509 billion in 2025, signaling that U.S. homeowners may be slowly but surely expanding the size and scope of home projects....
Have you ever wondered just how much of your retirement savings actually belongs to you and how much goes to Uncle Sam? In this episode, Ryan Thacker and Tyson Thacker…...
Are you aiming to be rich in retirement or simply ensuring you won’t be poor? In this episode, Ryan Thacker and Tyson Thacker tackle the pivotal question: Should your retirement…...
Luxury labels aren’t just making a statement on the runway — they’re bringing their signature style to the dining table with high-end restaurants serving as an extension of their bra...
I started an application - never completed or submitted it and never received benefits (though I have a number for it) and it needs to go in by early May to be processed. I am thinking about withdrawi...
For Gen Z, the mall isn’t just a place to shop. It’s where real life meets the digital world....
You should check out the mega backdoor Roth tax-planning strategy. The huge life time tax savings can improve the health of your retirement income....
I gave notice to my boss that I will retiring in 30 days today. How long does it take for the reality to hit that I am winding up my career? I’ve been working in the financial services industry ...
Work used to be simple. You got a job, showed up, did the work, and got paid. That deal doesn’t look so great anymore, and young workers aren’t afraid to say it. The grind, the low pay, an...
Life used to be a lot more affordable. Our grandparents bought homes, raised families, and retired without drowning in debt. Millennials? They’re stuck with sky-high rent, student loans, and a c...
Discover the key strategies to win at 9 popular games and how these lessons apply to building wealth and financial security. The post Checkmate Your Money: How Winning Strategies from Your Favorite Ga...