Webinar Recap: A Journey Through Change – Financial Considerations for Federal Employees

In our recent webinar, Merit Financial Advisors’ Kat Grier, CFP®, CPA, and David Elder, CFP®, CEPA, guided federal employees through the financial transitions that can follow a Reduction in Force (RIF). With a focus on the Federal Employees Retirement System (FERS) and the Thrift Savings Plan (TSP), the session outlined critical decisions to consider when navigating changes in employment status. From understanding vesting requirements and pension options to evaluating TSP rollover strategies and future retirement goals, attendees were equipped with key questions to guide their next steps.

Key Takeaways:

• Under five years of service? You may be eligible for a refund of your FERS contributions.
• Five or more years? You can defer your pension or request a refund.
• TSP options include leaving funds in place, rolling over, or withdrawing—each with tax implications.
• Legislative changes may impact FERS benefits—stay informed.
• Align your financial strategy with your retirement goals and risk tolerance.

Whether you’re facing a career transition or simply planning ahead, Merit is here to help you navigate confidently. Watch the full webinar below to learn more about your options and how to make informed financial decisions during times of change.

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