Recent guidance from the Office of Personnel Management (OPM) has revived Trump-era policies on return-to-discipline measures affecting federal unions and employees. These changes could influence workplace dynamics, job security, and long-term retirement planning for federal employees.
At Internal Benefit Advisors (IBA), we help federal workers navigate these shifts while optimizing their federal benefits, including the Thrift Savings Plan (TSP) and pension strategies. This article explores how these policy changes may affect your federal retirement planning and what steps you can take to safeguard your future.
Key Policy Changes and Their Impact
The reinstated policies give agencies more authority to enforce discipline, potentially affecting job stability for some federal workers. For those nearing retirement, sudden changes in employment status could disrupt:
- Pension calculations (FERS/CSRS)
- TSP contributions and matching
- Healthcare benefits in retirement
How to Protect Your Retirement Plan
- Review Your TSP Strategy – Ensure your contributions align with your retirement timeline. Consider increasing contributions if job security becomes uncertain.
- Understand Your FERS Benefits – Verify your service computation date and projected annuity.
- Explore Voluntary Early Retirement (VERA) – If eligible, this could be a safety net.
- Consult a Federal Benefits Expert – IBA specializes in federal retirement planning, helping employees maximize their benefits.
Why Choose Internal Benefit Advisors?
“IBA provided clarity on my FERS pension and TSP withdrawals, ensuring I retire with confidence.” – John D., Federal Employee
Our advisors offer personalized guidance on:
- TSP optimization
- FERS/CSRS breakdowns
- Federal health insurance (FEHB) in retirement
📞 Contact IBA today to secure your financial future.
