Federal Employee Service Association - FESA

Like Gary L. from Hawaii, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
Visit GoFESA.com for more information

Like Todd from Ohio, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
Visit GoFESA.com for more information

Like Janet P. from California, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
Visit GoFESA.com for more information

There’s still time for ‘super catch-up’ 401(k) contributions for 2025 — here’s who benefits

For 2025, you can defer up to $23,500 into your 401(k), and workers age 50 and older can make an extra $7,500 in catch-up contributions.

Starting this year, workers age 60 to 63 can make “super catch-up” contributions, which increases that limit to $11,250.

But most workers aren’t maxing out 401(k) plans or making regular catch-up contributions, Vanguard data shows.

https://www.cnbc.com/2025/09/10/super-catch-up-401k-contributions-2025.html

Like Randall A. from Texas, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
Visit GoFESA.com for more information

Treasury, IRS finalize rule for 401(k) catch-up contributions. What it means for higher earners

The IRS and U.S. Department of the Treasury finalized a Secure 2.0 rule for catch-up contributions for 401(k) and other plans, which apply to workers age 50 and older.

Starting in 2027, catch-up contributions generally must be Roth, rather than pretax, for workers who made more than $145,000 from their current employer during the previous year. But some plans could make the change in 2026.

This change could offer planning opportunities in the meantime, financial experts say.

https://www.cnbc.com/2025/09/18/treasury-irs-finalize-rule-401k-catch-up-contributions.html

Retirement feels impossible for 1 in 5 Americans, survey finds. Experts say a plan can help

Many Americans are not confident in their ability to retire.

Creating and following a savings and investment plan can set people up for success.

Online retirement tools can help run scenarios to check if you’re on target.

https://www.cnbc.com/2025/09/15/retirement-security-depends-on-planning.html

Bill would give all workers federal-level retirement benefits

A sweeping proposal could extend Federal Employees Retirement System–level pensions to the private sector, reshaping how Americans plan for retirement.

https://www.govexec.com/pay-benefits/2025/08/bill-would-give-all-workers-federal-level-retirement-benefits/407448/?oref=ge-category-lander-river

The milestone ages that matter most for retirement planning

From catch-up contributions to required distributions, federal employees face key ages that can shape retirement income, benefits and tax planning.

https://www.govexec.com/pay-benefits/2025/09/milestone-ages-matter-most-retirement-planning/407874/?oref=ge-category-lander-river

What to know before setting your 2026 retirement date

Immediate vs. deferred retirement, the three-day rule, and why the last day of the month often makes the most sense.

https://www.govexec.com/pay-benefits/2025/09/what-know-setting-your-2026-retirement-date/407864/?oref=ge-category-lander-featured-river