Our Q&A section features questions that the FedSmith.com authors answer that our readers send to them. We share them here to help you with your federal career as well as planning for your retirement. We encourage you to send your questions to the authors for use in future posts.

Adding Federal Service to State Retirement System

August 14, 2014 6:35 AM

Can a former federal employee add federal service time to a state employment system?

Continue Reading »

How Much Will My Pension Be Cut When I Apply for Social Security?

August 5, 2014 6:37 AM

I’m a retired CSRS federal employee who took an early out option in 1999. Do you know how much my pension will be cut when I must apply for Social Security?

Continue Reading »

Contributing to an IRA Outside of the TSP

July 30, 2014 6:08 AM

Under what circumstances can you contribute to a Roth IRA outside of the TSP?

Continue Reading »

Should I Apply for Retirement 6 Months in Advance?

July 22, 2014 6:22 AM

My OPM officer is saying that if I apply for retirement 6 months in advance, the application will “only sit in a folder.” Can you suggest what I should do?

Continue Reading »

Calculating Your High Three Salary

July 14, 2014 12:13 PM

Does OPM base the CSRS retirement calculation on an employee’s high-three annual BASE PAY or LOCALITY PAY when determining the annual retirement payment?

Continue Reading »

Postponing Retirement Under FERS

July 9, 2014 9:14 AM

If I elect a postponed retirement to age 62, will I receive an increased annuity?

Continue Reading »

Withdrawing Government Annuity Early

July 1, 2014 9:27 AM

Is there a program that allows a federal employee to withdraw from their government annuity early?

Continue Reading »

Was the FERS Special Supplement Terminated?

June 26, 2014 5:17 AM

I thought the FERS special retirement supplement was terminated in the FY14 Budget – has it been reinstated?

Continue Reading »

Recommendation for Financial Planners

June 18, 2014 4:57 AM

What are some good resources for finding a financial planner?

Continue Reading »

Suspending Social Security Benefits

June 11, 2014 7:52 AM

I’m 67 years old and I’ve been receiving benefits since I was 66. I’m working part time and want to suspend these benefits; however the SSA office told me I could have done this before I turned 67, but not now. Could they be incorrect?

Continue Reading »