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Many disabled veterans believe that receiving a 100% Permanent and Total (P&T) VA disability rating automatically makes early Thrift Savings Plan (TSP) withdrawals tax-free. That is not exactly how the rules work. In many cases, 100% P&T disabled veterans can avoid the 10% IRS early withdrawal penalty before age 59½. However: Traditional TSP withdrawals are […]
Read article →A proposed bipartisan bill known as the: Financial Opportunities for Retirees and Warriors Advancing Retirement Development (FORWARD) Act Could significantly change retirement planning for military retirees and disabled veterans. The legislation — H.R. 4996 — was introduced in August 2025 by Representative Jen Kiggans (R-VA) and has received bipartisan support. If passed, the bill would […]
Read article →VA disability compensation can be one of the most important retirement income sources for disabled veterans in federal service. Many veterans think of VA compensation as separate from retirement planning. That is usually a mistake. While VA disability is not a pension, it can function as a powerful income layer that reduces how much money […]
Read article →Disabled veterans often have a financial advantage in retirement that many calculators and planners fail to recognize. That advantage is not just having more income. It is having income that is: Tax-free Stable Not market-dependent Paid monthly That changes retirement planning in a major way. https://fersfree.com The Hidden Advantage The hidden advantage is VA disability […]
Read article →Veterans in federal service often have a retirement advantage that many people overlook. It is not just one benefit. It is the combination of multiple systems working together. A veteran may have access to: FERS pension TSP VA disability compensation Social Security Military buyback Military retirement FEHB VA healthcare When coordinated properly, this can create […]
Read article →Disabled veterans working in federal service often have access to one of the strongest retirement systems available in the United States. But many never fully benefit from it because they misunderstand how the pieces work together. The biggest mistake is not usually lack of effort. It is lack of coordination. Many veterans incorrectly assume: They […]
Read article →Understanding how your FERS pension is calculated is one of the most important parts of federal retirement planning. The good news is that the formula itself is relatively straightforward. Your pension is primarily based on three things: Your high-3 salary Your years of service Your retirement multiplier When combined correctly, these determine your lifetime pension […]
Read article →Federal retirement is not one single event. It is a timeline of income streams that start at different ages. If you want to map your personal timeline: https://fersfree.com Age 57: Minimum Retirement Age (MRA) Possible income: FERS pension (if eligible) FERS supplement TSP withdrawals VA disability This is where retirement becomes possible for many employees. […]
Read article →Federal retirement is full of small decisions that can create very large financial consequences. A slightly wrong retirement date, poor TSP timing, or missing FEHB eligibility can cost thousands over time. If you want to stress-test your plan: https://fersfree.com 1) Choosing the Wrong Retirement Date A poor date can impact: Pension timing Leave payout FEHB […]
Read article →If you’ve served in the military—or are transitioning into federal service—you’ve probably heard about two retirement systems: High-3 and BRS (Blended Retirement System) Understanding the difference between them is critical, especially if you are planning to combine military service with a federal civilian career. If you want to see how your military time impacts your […]
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