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Latest United States Articles
Alternatives to Hiring a Federal Retirement Advisor for Early Separation
You don't need a $3,000 advisor to understand deferred retirement, SF 3106, or the MRA+10 penalty. Here are the alternatives and when an advisor is ac…
How to Amend or Modify a COAP After Divorce
OPM rejected your court order or your divorce terms changed? Learn how to get an amended COAP accepted by OPM under 5 CFR 838 and what the effective d…
Best Guide for Claiming a Deferred Federal Annuity at 62
How to file RI 92-19 and claim your deferred FERS annuity at age 62 — documents, timeline, OPM Boyers, and the mistakes that delay your first check by…
Best Retirement Resource for Federal Employees Leaving Before Age 50
What to do with your FERS pension, TSP, and health insurance when you leave federal service in your 30s or 40s. The key decisions and where to find re…
COAP Former Spouse: What to Do When Your Ex Retires
Your ex-spouse is retiring from federal service. Here's exactly what you need to file with OPM to start receiving your court-ordered annuity share.
COAP Formula Types: Marital Share, Fixed Dollar, and Percentage Explained
Your COAP formula determines how much of the federal pension you receive. Compare marital share, fixed dollar, and percentage formulas — and which pro…
COLA Adjustments on Former Spouse Annuity Share
Do former spouses get COLA increases on their federal pension share? Yes — here's how OPM applies cost-of-living adjustments to court-ordered annuity …
CSRS vs. FERS Former Spouse Benefits: Key Differences in Divorce
CSRS and FERS treat former spouse benefits differently — annuity splits, survivor costs, and Social Security. Here's what matters for your court order…
DFAS vs OPM Former Spouse Benefits: Military Service in a Federal Pension
When a federal employee has military service, former spouses face a jurisdiction split between DFAS and OPM. Learn which agency handles your claim and…
Divorced Spouse Social Security After GPO Repeal: What Changed and What to Do Now
The GPO repeal means divorced spouses of federal employees can now collect full Social Security benefits. Here's how to claim or verify your adjustmen…