The Fed15 Podcast: FERS & CSRS: Retirement Planning and the 2025 COLA Update

Dan and Chelsea delve into retirement planning for those under FERS with a CSRS component. They also analyze the projected 2025 COLA and its implications for CSRS and FERS retirees.

https://www.stwserve.com/blog

If you’d like to meet with an STWS advisor, pick a spot on our calendar here:
https://stwserve.com/meet-with-us/

Register for Webinars:
https://stwserve.com/register

Chelsea provides an overview of Cost-of-Living Adjustments (COLAs), explaining their purpose and why they often fall short in addressing the full impact of rising costs. She reviews the projected COLA for 2025 and details its effects on CSRS and FERS. Finally, Chelsea offers strategies for bridging the gap between COLA increases and inflation to help manage the shortfall.

Dan discusses how to prepare for retirement when you have both FERS and CSRS components. He covers calculating retirement benefits and addresses the potential impact of the Windfall Elimination Provision and the Government Pension Offset. Dan also explores the relevant components and rules.

**DISCLAIMER – THIS IS NOT FINANCIAL ADVICE**
The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country.

This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve.

Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.

Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.