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

profile_pic
Cincinnati, Ohio

Joshua Melendez

Licensed Agent

Cincinnati, Ohio
2.00
Platinum

More Articles by Joshua Melendez

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...

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

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

Subscribe to our Newsletter

Leave a Review for Joshua Melendez

We greatly value your experience with our agents! If you’ve had a positive interaction and exceptional service, we would appreciate your feedback. Your input is instrumental in our commitment to delivering professional excellence.

"*" indicates required fields

Our Readers Deserve The Best PSHB and USPS Health Benefits Guidance

Licensed insurance agents who understand PSHB, Medicare, and USPS Health Benefits Plan are encouraged to apply for a free listing.

This field is for validation purposes and should be left unchanged.

Book Phone Consultation

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Get In Touch

Stay up to date on the latest information about Public Sector Retirement.

The Best Advice Creates The Best