Jump ship before retirement changes?

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Q. I plan on retiring in January 2012. If the proposal passes to make a five-year average to create my monthly retirement funds, what date would I have to retire to keep the three-year average? Sept. 30, 2011? Dec. 31, 2011?

A. You are asking for a prediction, which, the way things stand, would be no better than guess work. You’ll just have to hang on until the legislative picture becomes clearer.

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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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