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Showing posts with the label FERS high-3 vs high-5

Pension Protection & Civil Service Overhaul

Federal Pension Rights · 2026 Tactical Briefing Protecting the Promise : Understanding Your Pension Rights in 2026 The rules are changing. The backlog is growing. Proposed legislation could alter your annuity forever. Here is how to understand, document, and defend every dollar you have earned. 📅 April 2, 2026 ⏱ 18 min read 🛡 Warrior Retirement You showed up. You served. You paid into a system that promised you a pension in return. That promise — made by the United States government to its civilian workforce — is now under more pressure than at any point in the last four decades. Proposed pension reforms. A record-breaking OPM processing backlog. Involuntary separations. Deferred resignation offers. A federal workforce that has been reduced, reorganized, and threatened with reclassification — all in the span of a few months. If you are a federal employee in 2026, the ...

The Big Beautiful Bill Act: Federal Retirement Guide 2026

The "Big Beautiful Bill" & Your Federal Retirement: 2026 Strategy Guide Federal retirement planning in 2026 now requires navigating the intersection of SECURE 2.0 and the One Big Beautiful Bill Act (OBBBA) . As an active federal employee navigating these changes alongside you, I’ve broken down the tactical intelligence you need to protect your wealth and maximize your benefits. This is how we stay ahead of the curve at warriorretirement.com . Quick Summary: OBBBA & Feds The 2026 One Big Beautiful Bill Act (OBBBA) introduces a temporary $6,000 "Senior Bonus" tax deduction for ages 65+, raises the SALT cap to $40,400, and preserves the FERS High-3 annuity calculation. Under SECURE 2.0 , Feds earning $150k+ must now direct all TSP catch-up contributions to the Roth TSP . 1. The $6,000 "Senior Bonus" Deduction One of the most immediate "wins" for retirees in this bill is a new, temporary tax deduction aimed at reducing th...