Understanding retirement annuity vs 401k is key to choosing the right path for long-term security. Federal Pension Advisor breaks down how each option works, their benefits, and which aligns best with your retirement goals. This clear, humanized guide helps federal employees make confident, informed financial decisions. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge