Warrior Retirement

📊 Warrior Retirement · Decumulation Strategy Guide The Guaranteed Income Shift Decumulation Strategies for Federal Retirees Accumulation — saving money — is the easy part. Decumulation — turning your FERS pension, TSP, and Social Security into reliable lifetime income you can never outlive — is where most retirees get it wrong. 📅 April 2026 ⏱ 10 min read 🛡 Warrior Retirement ⚡ Quick Answer Federal retirees have a significant advantage in decumulation: your FERS pension is an income floor — guaranteed for life, regardless of markets. The key strategy is to let your guaranteed income (FERS + Social Security) cover essential expenses while TSP withdrawals cover discretionary spending. The bucket strategy , the 4% rule , and the guardrails method are the three most proven decumulation frameworks — and federal employees can use them with far less risk than private-sector retirees because of their pension foundation. 4% Classic "safe withdr...

FEGLI Life Insurance · 2026 Decision Guide FEGLI Life Insurance in Retirement: What Federal Employees Must Know Before Costs Balloon The life insurance that cost you $15 per paycheck at age 45 can cost $300+ per month by age 70 — for the same coverage. Here is exactly how FEGLI works in retirement, what it will cost you at every age, and whether keeping it makes financial sense. 📅 April 5, 2026 ⏱ 11 min read 🛡 Warrior Retirement Federal employees receive affordable life insurance through the Federal Employees Group Life Insurance (FEGLI) program during their working years. Basic coverage, Option A, Option B, and Option C provide protection at group rates that feel like a great deal — because they are, while you are employed. Retirement changes everything. FEGLI premiums explode after age 65. The very coverage that felt affordable at $30 per month during your career can cost $400–$600 per month in your late 60s and 70s — for coverage whose value keeps declinin...