Best date to retire

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Q. My service computation date is April 24, 1971, and I plan on leaving at the end of April after 42 years with a load of annual and sick leave. I have always been told to leave at the end of the year because of the annual leave business, but I want to start a consulting firm and devote my time to it. My father-in-law, a former federal employee, says just get out because it is time and I should not miss the beach and I can always bring my laptop.

A. As I’ve said over and over, the best date to retire is the one that fits your financial and emotional needs.

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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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