If you are a Federal Government Employee getting ready to retire, ask yourself these 11 questions. And if you need help with these, contact us directly for individual assistance. 1. Do you know when you can retire without penalty? Make sure you understand that if you retire under the MRA +10 designation, there will be a penalty. To avoid that, you need to have your MRA +30 years of service, or be 60 years old with 20 years of service, or be 62 with five years of service. Check with Swain...

Did you know that most people are NOT prepared for retirement? Even with all the articles, news stories, warnings from your uncle, and friends talking about it over lunch, most people still ignore it. Until they are in their 50s. Don't be that person. Many people often think that it's too late to save for retirement. But it's never "too late." You just might have to be more aggressive in your planning and saving. Facts about retirement savings by age: In your 20s: Saving just $200/month can...

Buying your first home is an exciting milestone—one filled with possibility, pride, and, let’s be honest, a fair amount of uncertainty. Whether you're dreaming of a cozy starter home or a place to grow into over time, the process can feel overwhelming at first. The good news? With the right preparation and mindset, you can move forward with confidence and clarity. Here’s a comprehensive guide to help you navigate your first home purchase. 1. Start with a Clear Financial Picture Before...