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Tips for a Better Federal Retirement

At Better Federal Retirement, we’re passionate about helping government workers fully understand and maximize their hard-earned retirement benefits. That’s why ongoing education is a core part of our process.

Featured Insights

These insights are here to help you feel empowered and confident about your financial future. Whether you’re years away from retirement or already there, we’re happy to guide you toward the comfortable lifestyle you deserve.

Simple illustration showing a clipboard with a question mark and a beach chair, representing retirement decisions for federal employees with a TSP loan.

Retirement Planning, Tax Planning

Retiring With a TSP Loan? A Simple Decision Framework to Avoid Costly Mistakes

Better Federal Retirement™ • Planning for affluent federal employees who want more freedom, clarity, and control. Retiring With …

Illustration showing how safe withdrawal rates differ between TSP/IRA, taxable brokerage, and Roth accounts due to taxes.

Why Your “Safe” Withdrawal Rate Depends on Taxes

Safe Withdrawal Rates & Taxes for Federal Retirees At Better Federal Retirement, we frequently work with federal retirees …

Illustration of a confident bull in a suit representing a disciplined federal employee investor, with the U.S. Capitol and city skyline in the background.

2025 Delivered for Those Who Stayed in Their Seats

Markets rewarded discipline. Diversification mattered. Long-term investors were paid for patience. Key Takeaways: Stocks delivered strong returns—for the …

Investing

Evidence-Based Investing

How do you define evidence-based investing? The simplest and most relatable way is through an example—one you may …

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Suggested sorting topics: federal benefits, social security, tax-efficient strategies, market updates

Simple illustration showing a clipboard with a question mark and a beach chair, representing retirement decisions for federal employees with a TSP loan.

Retirement Planning, Tax Planning

Retiring With a TSP Loan? A Simple Decision Framework to Avoid Costly Mistakes

Better Federal Retirement™ • Planning for affluent federal employees who want more freedom, clarity, and control. Retiring With …

Illustration showing how safe withdrawal rates differ between TSP/IRA, taxable brokerage, and Roth accounts due to taxes.

Why Your “Safe” Withdrawal Rate Depends on Taxes

Safe Withdrawal Rates & Taxes for Federal Retirees At Better Federal Retirement, we frequently work with federal retirees …

Illustration of a confident bull in a suit representing a disciplined federal employee investor, with the U.S. Capitol and city skyline in the background.

2025 Delivered for Those Who Stayed in Their Seats

Markets rewarded discipline. Diversification mattered. Long-term investors were paid for patience. Key Takeaways: Stocks delivered strong returns—for the …

Investing

Evidence-Based Investing

How do you define evidence-based investing? The simplest and most relatable way is through an example—one you may …

Financial Planning

What is a Fiduciary’s Duty?

Understanding the Three Fiduciary Duties: What They Mean for Federal Employees If you’re a federal employee preparing for …

A group of successful late-career professionals—including a white VA nurse, a Hispanic female executive, a white male business professional, and a firefighter—standing confidently in front of an iconic Southwest hospital building, symbolizing financial strength and federal employee retirement planning.

Investing

Why the Wealthy Need To Invest Differently

Have you outgrown the TSP? Consider a rollover if you have more than $400,000. For federal employees, the …

“Flat-style illustration contrasting financial product sales with holistic wealth management for federal employees, showing a split screen with a megaphone and dollar document on one side and a checklist and money bag on the other, separated by a bold ‘VS.’”

The Reality Behind TSP Roll-Over Pitches Targeting Federal Employees

Many federal employees tell me the same story: as they approach retirement, their inbox fills with messages urging …

“Graphic comparing the UMA investment options, featuring bold text 'UMA’ on a deep blue background with subtle financial icons.”

Meet the UMA: A Thrift Upgrade for Federal Employees

For decades, the Thrift Savings Plan has been a workhorse for federal employees. It is low-cost and simple, …

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