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After 40+ years fed service, just had an impressive pre-retirement class. It cast light on some previous misconceptions. This note addresses mainly CSRS workers but most concepts, do’s and don’t’s apply as well to FERS and private sector employees.

  • DON’T retire if you don’t have to and want to retire
  • You and any partner need to plan well ahead of retirement (or face disaster)
  • If you saved WELL, lived well and have good post retirement income,
    • a 3.5% annuity on $1,000,000 (about $35,000 per year, gross), or more
    • could offset retirement income loss.
  • While losing some deductions upon retiring, ADD several $100s of Medicare Each
  • Best survivors have 30+ years of good capital asset (cash and RE)
  • Retire to a no or low pension tax state (12, Alabama, Alaska, Florida, Mississippi, Nevada, New Hampshire, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wyoming) or ex-conus
  • Find and retain (less than 1% of assets per year) Independent Retirement Adviser
  • Might consider Chiriqui, Panama at Chiriqui Chatter blog
  • or the Central Pacific coast at Costa Pedasi, Los Santos, Panama

More to follow ..

One Comment
  1. Please, share your comments and opinions. Lets make retirement work for everyone. everettnage AT gmail DOT com

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