The Biden-Harris Administration is committed to supporting and promoting democracy in our nation and protecting the right to vote – core American ideals. One important way to do so is to reduce barriers to voting. That is why the Office of Personnel Management (OPM) is today announcing steps to reduce barriers for Federal employees interested in participating in the democratic process.

Besides just time allowed to go vote, this new policy includes paid time for things like serving as a non-partisan poll worker or non-partisan observer. For more info and specific details see attached PDF.

“BETTER TO RUN OUT OF TIME BEFORE YOU RUN OUT OF MONEY”
                                 PLANNING FOR THE FUTURE
• Retirement income is not about assets, it is about income.
• Your assets can be lost, stolen, swindled, sued, divorced or decimated in a market crisis.
• Retirement is about income and risk management.
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                                COMMON MISTAKES WHEN PREPARING FOR RETIREMENT
• Under estimating life expectancy.
• Paying too much in taxes.
• Not preparing for the impact of inflation.
• Relying on income that is not guaranteed for life.
• Not preparing for potential catastrophic expenses, especially health and long term care.
• Focusing on financial products, instead of strategic planning.
• Not calculating the impact on income when a spouse dies.

Are you ready to retire?    Do you have questions about the process?
Do you find the retirement paperwork a bit daunting?  Is OPM telling you there will be a long wait to get a benefit report?
I can prepare a personalized retirement report to give you an idea of what you can expect.

MARILYN MILLER 360-598-4582  Fax 866-449-1751
fedbenadv@comcast.net   WWW.fedbenadv.com