A former federal employee himself, Edward Zurndorfer of EZ Accounting and Financial Services in Silver Spring, Md., a CFP, who advises on an hourly fee basis, reports that more than half of his clients are federal employees—and all benefit from guaranteed pension retirement income.

The biggest lesson he has to impart to them, he says, “You are the lucky ones. You can afford to take risks associated with the stock market because you have guaranteed income for life.”

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