Insights

You chose a career in federal service. That means you have access to one of the most comprehensive retirement systems in the country — a three-legged stool that, if you understand it and use it well, can give you a genuinely secure retirement. The problem is that many federal employees spend decades accumulating benefits they barely understand. Whether you're five years into your career or approaching your final stretch, here's what you actually need to know.

The U.S. stock market enjoyed a second straight rally last week as geopolitical tensions shifted, at least temporarily, from escalation to diplomacy.

Medicare is more complex than most people expect. Many people approaching retirement assume Medicare works like a single, simple insurance policy; you turn 65, you sign up, and you're covered. The reality is quite different. Medicare is a multi-part system, and the choices you make at enrollment can affect your costs, access to providers, and financial exposure for years to come. Knowing how each piece works will put you in a much better position when enrollment time arrives.

Wall Street enjoyed a tech-led rally despite the escalation of the conflict with Iran and a pivot in fiscal policy following President Trump's request that Congress approve a $1.5 trillion total defense budget for 2026, funded, in part, by a 22.6% cut in domestic discretionary programs.

No one likes to think about it. The idea of preparing your spouse for your death or incapacity feels uncomfortable at best and morbid at worst. But from a financial planning perspective, one of the greatest gifts you can give your partner is clarity.

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Wall Street saw stocks continue to trend lower last week, influenced by geopolitical tension, volatile energy markets, and shifting investor sentiment.

One of the most important retirement income decisions you will ever make is when to begin your Social Security benefits.