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

Joshua Melendez

Cincinnati, Ohio


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Published Content and Articles Featuring Joshua Melendez

Articles By Joshua Melendez

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

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

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

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

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

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

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...

3 Reasons Certain Federal Employees Can Retire Years Earlier Than Their Peers Without Penalties

3 Reasons Certain Federal Employees Can Retire Years Earlier Than Their Peers Without Penalties

Key Takeaways: Some federal employees qualify for early retirement due to special provisions in FERS, allowing them to retire years...

Seven FEGLI Changes Federal Workers Need to Know About Right Now

Seven FEGLI Changes Federal Workers Need to Know About Right Now

Key Takeaways Recent updates to the Federal Employees' Group Life Insurance (FEGLI) program may impact your retirement planning, so staying...

Federal Law Enforcement Officers, Here’s How You Can Retire Early Without Losing Benefits

Federal Law Enforcement Officers, Here’s How You Can Retire Early Without Losing Benefits

Key Takeaways: You Can Retire Early with Financial Security: Federal Law Enforcement Officers have pathways to retire early without losing...

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