Fact Check: Are FERS Pensions Inflation-Protected? The Answer Depends on These Numbers
FERS pensions do receive inflation protection through cost-of-living adjustments, or COLAs—but that protection comes with significant caveats that often...
Category Strategies
At Least 45% of Catch-Up Contribution Eligible Workers Make Zero Additional Contributions
Almost half of all workers eligible to make catch-up retirement contributions are not putting any additional money into their accounts.
Financial Advisor Fee Crisis Explained in One Statistic That Will Shock You
The shocking statistic is this: the average annual retainer fee charged by financial advisors has surged 52% in just three years, jumping from $4,484 in...
Elder Fraud in 2026: The Numbers Are Worse Than You Think
Yes, the numbers are worse than you think. In 2025, seniors age 60 and older reported $7.7 billion in losses to fraud schemes—a staggering 37% increase...
Warning: Pension Advance Loans Can Carry Effective Interest Rates Above 100%
Yes, pension advance loans routinely charge effective interest rates that exceed 100 percent annually—some reaching as high as 200 percent when all fees...
New Study Found That Retirees With No HSA Strategy Pay $157,000 More in Medical Costs
The widely-circulated claim that retirees without an HSA strategy pay $157,000 more in medical costs doesn't appear to stem from a single published study.
He Took an Early 401(k) Withdrawal of $50,000 and Kept Only $35,000 After Penalties
When someone withdraws $50,000 from a 401(k) before age 59½, they don't actually receive the full amount.
Fact Check: Does Delaying RMDs Past 73 Protect You From Taxes? Here’s the Truth
No, delaying your Required Minimum Distributions (RMDs) past age 73 does not protect you from taxes—in fact, it exposes you to severe penalties that can...
At Least 37% of Veterans Are Leaving an Average of $12,000 Per Year in Benefits Unclaimed
Hundreds of thousands of veterans are walking away from thousands of dollars in annual benefits—not out of choice, but out of simple ignorance.
HSA Contribution Limits in 2026: What Most Americans Don’t Know Could Cost Them Thousands
Most Americans with health savings accounts don't realize they're leaving thousands of dollars on the table—or worse, unknowingly violating IRS rules that...