https://lifecapitalized.com/ Educational guides and newsletter issues on federal and postal retirement, business owner planning, and retirement income, from Life Capitalized Financial in Fort Lauderdale, Florida. en-us Tue, 06 Oct 2026 00:00:00 +0000 Copyright 2026 Life Capitalized Financial LLC https://lifecapitalized.com/articles/newsletter/federal-and-postal-benefits.html https://lifecapitalized.com/articles/newsletter/federal-and-postal-benefits.html Thu, 24 Sep 2026 00:00:00 +0000 FEHB and PSHB plan-choice feedback, claims-data privacy, postal ethics, 2027 premium timing, and COLA estimates. https://lifecapitalized.com/articles/newsletter/one-month-left-your-2027-raise-just-got-clearer.html https://lifecapitalized.com/articles/newsletter/one-month-left-your-2027-raise-just-got-clearer.html Thu, 17 Sep 2026 00:00:00 +0000 CPI-W, estimated 2027 COLAs, the FERS diet COLA, August TSP performance, and the proposed federal pay freeze. https://lifecapitalized.com/articles/newsletter/planning-for-expenses-from-your-fers-pension.html https://lifecapitalized.com/articles/newsletter/planning-for-expenses-from-your-fers-pension.html Thu, 03 Sep 2026 00:00:00 +0000 What USPS and federal retirees should know about interim pay, PSHB and Medicare timing, FEGLI, and survivor elections before the first pension check arrives. https://lifecapitalized.com/articles/newsletter/debt-buybacks-and-your-tsp.html https://lifecapitalized.com/articles/newsletter/debt-buybacks-and-your-tsp.html Thu, 27 Aug 2026 00:00:00 +0000 How federal debt levels, Treasury buybacks, and sticky inflation connect to the TSP G Fund rate, the FERS COLA, and borrowing costs for business owners. https://lifecapitalized.com/articles/opm-interim-pay-delay.html https://lifecapitalized.com/articles/opm-interim-pay-delay.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for federal retirees planning around OPM interim pay and delayed finalized annuity payments. https://lifecapitalized.com/articles/s-corp-owner-retirement-plan.html https://lifecapitalized.com/articles/s-corp-owner-retirement-plan.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for S Corp owners reviewing retirement plan options and business cash flow trade-offs. https://lifecapitalized.com/articles/fehb-pshb-retirement-rules.html https://lifecapitalized.com/articles/fehb-pshb-retirement-rules.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for federal and postal employees reviewing health insurance continuation before retirement. https://lifecapitalized.com/articles/buy-sell-key-person-planning.html https://lifecapitalized.com/articles/buy-sell-key-person-planning.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for business owners reviewing buy-sell agreements, key-person risk, and continuity funding. https://lifecapitalized.com/articles/business-sale-retirement-plan.html https://lifecapitalized.com/articles/business-sale-retirement-plan.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for business owners considering a future sale as part of retirement income planning. https://lifecapitalized.com/articles/vera-vsip-retirement-decision.html https://lifecapitalized.com/articles/vera-vsip-retirement-decision.html Mon, 24 Aug 2026 00:00:00 +0000 A concise decision guide for federal and postal employees weighing early retirement or separation incentives. https://lifecapitalized.com/articles/newsletter/what-the-social-security-2100-act-means-for-your-federal-pension.html https://lifecapitalized.com/articles/newsletter/what-the-social-security-2100-act-means-for-your-federal-pension.html Tue, 18 Aug 2026 00:00:00 +0000 A plain-English breakdown of the Social Security 2100 Act for FERS and USPS employees: the 2% benefit increase, the CPI-E COLA change, and the payroll tax cap. https://lifecapitalized.com/articles/newsletter/august-is-make-a-will-month.html https://lifecapitalized.com/articles/newsletter/august-is-make-a-will-month.html Thu, 06 Aug 2026 00:00:00 +0000 Why a will and current beneficiary designations matter more than most people think, and what happens when the two documents disagree. https://lifecapitalized.com/articles/newsletter/your-midyear-money-check-four-numbers-worth-reviewing.html https://lifecapitalized.com/articles/newsletter/your-midyear-money-check-four-numbers-worth-reviewing.html Thu, 16 Jul 2026 00:00:00 +0000 Four figures worth checking midway through the year: projected taxable income, retirement contribution pace, portfolio risk, and available cash. https://lifecapitalized.com/articles/newsletter/iran-oil-spikes-and-a-divided-fed.html https://lifecapitalized.com/articles/newsletter/iran-oil-spikes-and-a-divided-fed.html Mon, 13 Jul 2026 00:00:00 +0000 Monday brief for the week ending July 10, 2026: a split Fed, oil volatility, a new OPM performance rating rule, and rising household debt. https://lifecapitalized.com/articles/newsletter/the-week-in-60-seconds-opm-goes-paperless.html https://lifecapitalized.com/articles/newsletter/the-week-in-60-seconds-opm-goes-paperless.html Mon, 06 Jul 2026 00:00:00 +0000 Monday brief for the week ending July 3, 2026: a weak jobs report alongside record markets, OPM ending paper retirement processing, and a higher SBA loan ceiling. https://lifecapitalized.com/articles/newsletter/7-top-financial-risks-youll-face-in-retirement.html https://lifecapitalized.com/articles/newsletter/7-top-financial-risks-youll-face-in-retirement.html Sun, 05 Jul 2026 00:00:00 +0000 Inflation, interest rates, longevity, debt, health care costs, employment changes, and public policy: seven risks to retirement income and how to prepare for each.