A PURPOSE DRIVEN Federal RETIREMENT: How to Turn Your Employee Benefits Into the Life You’ve Been Planning For

Federal employees may retire with one of the strongest collections of benefits available-and still face a maze of decisions that can permanently affect income, healthcare, taxes, survivors, and legacy.A Purpose Driven Federal Retirement helps federal employees move beyond simply becoming eligible to retire. Stuart Hunsicker explains how to coordinate FERS or CSRS, the Thrift Savings Plan, Social Security, FEHB or PSHB, Medicare, life insurance, taxes, survivor elections, long-term-care planning, and estate documents around one central question: What matters most to you?Written in an approachable style with practical examples, checklists, and a healthy suspicion of unnecessary acronyms, this guide helps readers understand their benefits, identify costly gaps, and turn information into action. It also addresses often-overlooked issues such as the FERS annuity supplement, TSP withdrawal choices and annuitization, Roth-conversion opportunities, RMDs, IRMAA, beneficiary planning, the transition away from a federal identity, health, relationships, service, and purpose.This is not a book to read once and place on a shelf. It is a guide to revisit as retirement approaches and as benefits, taxes, health, family, and life goals change.