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Why Financial Literacy Is Important and How You Can Improve Yours
“The best investment you can make, is an investment in yourself... The more you learn, the more you’ll earn.” —Warren Buffett Financial...

Dan De La Torre
17 hours ago3 min read
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Navigating the Social Security Fairness Act: Steps Federal Employees Should Take to Maximize Their Benefits
After years of advocacy and debate, the Social Security Fairness Act is now law , repealing two long-standing provisions that reduced...

Dan De La Torre
May 293 min read
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Navigating Health Insurance After Layoffs or Furlough
Losing your job, whether through a layoff or furlough, can be overwhelming, especially when it comes to managing your health insurance...

Dan De La Torre
May 163 min read
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Why Federal Pension Advisors Are Essential for FERS and CSRS Employees
Navigating retirement as a federal employee isn’t as simple as picking a date and collecting a check. Between complex benefit...

Dan De La Torre
May 23 min read
37 views
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What the 2025 Federal Pay Raise Means for Your Pension and Retirement
If you're a federal employee, the 2025 federal pay raise (1.7% basic + 0.3% locality) may feel like a welcome boost to your paycheck, but...

Dan De La Torre
Apr 194 min read
99 views
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What Benefits Are Available to Federal Employee's Families?
Under federal regulations, specific family members are eligible for Federal Employees Health Benefits (FEHB) Program coverage. The...

Dan De La Torre
Mar 143 min read
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Tips for Making the Most out of Thrift Savings Plan (TSP) Benefits
The Thrift Savings Plan (TSP) is a powerful tool for federal employees and uniformed service members looking to build long-term financial...

Dan De La Torre
Feb 273 min read
79 views
1 comment


Understanding the Differences Between General Liability Insurance and Professional Liability Insurance
When it comes to liability insurance, it’s important to recognize the difference between coverage that protects businesses and coverage...

Dan De La Torre
Feb 44 min read
40 views
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Retirement Planning Checklist
Getting ready for retirement might feel overwhelming, but we've simplified it into easy-to-follow steps. Save as much as you can into...

Dan De La Torre
Jan 153 min read
60 views
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How to Choose the Right Health Insurance Plan
Health insurance plays a crucial role in a family’s financial stability. Without it, a single accident could lead to financial disaster....

Dan De La Torre
Nov 15, 20244 min read
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The Optimal Retirement Date for Federal Employees Before 2030
Key Financial Factors to Consider when Federal Employees select the ideal retirement date. Retirement planning is a critical phase in a...

Dan De La Torre
Oct 4, 20245 min read
2,665 views
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Understanding Hospital Indemnity Insurance
Hospital stays affect not only your physical health but also your finances. The average cost for a three-day hospital stay is...

Dan De La Torre
Sep 5, 20242 min read
99 views
1 comment


Understanding the Key Differences Between Accident Insurance vs Accidental Death Insurance
In today's unpredictable world, it's crucial to protect our health and well-being with appropriate insurance coverage. When it comes to...

Dan De La Torre
Aug 7, 20245 min read
36 views
1 comment


7 Things You Should Know Before Purchasing Life Insurance
1. Assess Your Insurance Needs Thoroughly evaluate your current and future insurance needs. An Insurance Agent can provide valuable...

Dan De La Torre
Jul 17, 20245 min read
166 views
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Insurance Glossary for Federal Employees
A Accident Insurance: Type of insurance coverage that provides a cash benefit to individuals in an accident. Accidental Death...

Dan De La Torre
Jul 3, 20248 min read
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How Disability Insurance Works for Federal Employees
Federal employees have access to disability retirement benefits through the Federal Employees Retirement System (FERS), but this coverage...

Dan De La Torre
Jun 12, 20243 min read
2,284 views
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Is Pet Insurance Worth It?
In a world where our furry companions are more than just pets – they're family – the question of pet insurance's worthiness becomes...

Dan De La Torre
May 29, 20244 min read
154 views
1 comment


Understanding the Differences Between Long-Term Disability and Long-Term Care Insurance
Many people often mix up Long-Term Disability Insurance (LTD) and Long-Term Care Insurance (LTC), possibly because they're both activated...

Dan De La Torre
May 15, 20244 min read
67 views
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Federal Liability Insurance: A Vital Protection for Federal Employees
Federal Liability Insurance is a crucial safeguard for those serving in federal positions. Navigating the professional landscape as a...

Dan De La Torre
Apr 23, 20242 min read
165 views
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How Does Supplemental Disability Insurance Work?
Before discussing Supplemental Disability Insurance, I think it is best to first define in general terms what supplemental insurance is....

Dan De La Torre
Apr 10, 20246 min read
267 views
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