Q. I will receive an apportionment from my ex-husband’s U.S. Postal Service CSRS pension in the amount of 50 percent. Since this is his pension, but I will be receiving the apportionment, will Social Security consider my share “pension” for me and subject me to the windfall elimination provision even though the pension was not from my employment but from my husband’s employment/pension?

Q. I have a pension plan with a former company. I just received a notice from them that I can leave it in place to take when I reach retirement age or roll a lump sum payment in to another eligible retirement account (my TSP).  I am a FERS employee and will retire at 62 (in 12 years). If I leave it in place to take after I retire, I estimate the amount to be about $450 a month. Should I leave it where it is or think about rolling it over in to my TSP where I am in…

Q. I am planning to retire in 2021 after 27 years of federal service. If I decide to collect Social Security at the age of 63 1/2 years. is the federal retirement considered earned income? Also, I receive a check from my ex-husband’s military retirement. Is that also considered earned income that could push me over the $16,000 limit per year?

Q. You state that anyone who invests in the TSP should invest in the fund that corresponds most to their life expectancy if not sure of how to allocate among the C, S, I, F, G funds. Does this hold true if I retire at 55 and access the funds in my TSP immediately? After all, L2050 fund is for those that will access their TSP in 2045 or later, at least that’s what it says on the TSP site.

Q. I have the opportunity for a one-time lump-sum payment from the Thrift Savings Plan. I have not started taking an annuity from TSP. I am wondering what are the benefits or hazards of taking a one-time lump-sum withdrawal vs. starting taking an annuity? Taxes are great for one-time lump-sum withdrawal, but would it be as painful as just starting my annuity? When is it a good time to take a one-time lump-sum withdrawal? I am thinking of a one-time withdrawal and not starting my annuity until next year.

Q. I receive a CSRS annuity only, I don’t have any other investments, i.e. TSP, IRAs or anything close. I turned 70 1/2 in 2017 and the required minimum distributions requirement is confusing. From what I’ve read the past couple of days, it appears that I don’t require any RMD for my situation. Can you clarify?

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