Welcome April 2026, Happy Birthday — A Few Tips from My Fed Retirement Werks
April is here, bringing warmer weather, renewed energy, and a great opportunity to refocus on your federal retirement goals. From all of us at My Fed Retirement Werks, we’d like to wish a very Happy Birthday to all of our April clients and friends!
As we move into the second quarter of 2026, now is the perfect time for federal employees and retirees to take a closer look at their retirement plans and ensure everything is on track.
🌷 Review Your Federal Retirement Benefits
Federal retirement systems like FERS and CSRS come with unique benefits and options. April is a great time to:
- Review your annuity projections
- Confirm your service time and retirement eligibility
- Double-check beneficiary designations
Staying informed ensures you’re maximizing what you’ve earned.
💰 Evaluate Your TSP Contributions
Your Thrift Savings Plan (TSP) plays a critical role in your retirement. Consider:
- Increasing your contribution percentage if possible
- Reviewing your fund allocations (G, F, C, S, I Funds)
- Taking advantage of any catch-up contributions if eligible
Small increases now can significantly impact your long-term retirement savings.
🏥 Don’t Overlook FEHB & FEGLI Coverage
Your Federal Employees Health Benefits (FEHB) and Federal Employees’ Group Life Insurance (FEGLI) selections are key parts of your retirement plan. Make sure:
- Your coverage still fits your needs
- You understand how these benefits carry into retirement
- You’re not overpaying for unnecessary coverage
🧾 Keep Tax Efficiency in Mind
Tax planning is especially important for federal retirees. With pensions, TSP withdrawals, and Social Security, your tax situation can become complex. April is a great reminder to:
- Plan withdrawal strategies carefully
- Consider Roth vs. traditional balances
- Work with a professional to minimize tax burdens
📅 Plan Ahead for Key Retirement Milestones
Whether you’re a few years away or nearing retirement, timing matters. Keep an eye on:
- Your Minimum Retirement Age (MRA)
- Eligibility for full benefits
- The best time to begin withdrawals or claim Social Security
Strategic timing can make a significant difference in your lifetime income.
🎯 Set Clear Goals for Q2
The second quarter is a perfect time to reset and refocus. Ask yourself:
- Are you saving enough?
- Are your investments aligned with your risk tolerance?
- Do you have a clear retirement timeline?
Setting clear goals now helps keep you on track for the rest of the year.
At My Fed Retirement Werks, we specialize in helping federal employees and retirees make confident, informed decisions. If you’re ready to review your retirement strategy or have questions about your benefits, our team is here to help.
Here’s to a successful, secure, and rewarding April!
