Not affiliated with The United States Office of Personnel Management or any government agency

Not affiliated with The United States Office of Personnel Management or any government agency

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Cincinnati, Ohio

Joshua Melendez

Licensed Agent

Cincinnati, Ohio
1.00
Platinum

More Articles by Joshua Melendez

Your FEDVIP Benefits Changes in 2024—Here’s What You Need to Know

Key Takeaways: FEDVIP premiums have increased by an average of 7.7% in 2024, meaning your monthly costs could rise, especially...

FERS Is Evolving—Here’s What Federal Employees Need to Know About Their Benefits

Key Takeaways Federal Employees Retirement System (FERS) benefits are evolving, and keeping up with these changes is crucial for maximizing...

Federal Benefits Are Changing in 2025—Here’s What’s Real and What’s Just Hype

Key Takeaways In 2025, federal benefits are undergoing real structural changes, especially in areas like health coverage and retirement planning.While...

Buying Back Military Time Still Works—But Only If You Understand These Crucial Trade-Offs

Key Takeaways Buying back military time can significantly increase your retirement annuity under FERS or CSRS, but only if you...

Seven Social Security Strategies Federal Employees Are Loving Right Now

Key Takeaways Timing your Social Security benefits can make a significant difference in your retirement income.Integrating Social Security with federal...

Seven Things That Make CSRS a Retirement System Unlike Any Other

Key Takeaways: CSRS offers unique benefits and features that set it apart from other retirement systems, providing robust support for...

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