Hi! Love your podcasts and videos! I’m having a hard time figuring out my best dates and options for retiring soon. I’m trying to determine when the best time would be to leave federal service with the USPS. I’m retired military, but never “bought back” my time. I’ve just began receiving my retirement pension at age 60 (retired 26 years reserves). I currently have 28 years and 3 months with the USPS and 60 years old. Should I wait until the possible 4.7% pay increase takes effect signed by Biden, wait til 62 (April 15, 2025), wait til my 30th year date (10 June 2025) and does the 1.1% only apply to me upon reaching age 62 or upon my MRA with qualifying years? - James.
Federal retirees face unique challenges, from income replacement to tax considerations. But what about life insurance needs and survivor benefits?
In this episode, our experts, Micah and Tammy, dive into the importance of tailored life insurance planning to address individual circumstances effectively. Is life insurance necessary, or how much coverage is sufficient? How do you determine the appropriate amount of life insurance? And what about planning for the future and establishing the right goals for survivors' benefits?
Discover the significance of proper beneficiary designations to avoid complications and ensure assets are distributed according to your wishes. Whether you're married or single, grasping the financial impact of life insurance is paramount for retirees.
Tune in and uncover practical strategies that will guide you through this critical aspect of financial planning. Your journey towards financial security begins here.
"In mid 2025, I will turn 62, therefore my FERS supplement will stop. I currently work PT not to exceed 2013 earnings limit. However, in 2024 I’m thinking about going fulltime to be prepared financially for when I lose the FERS supplement. What happens if I exceed the earnings limit in 2024? Will there be a penalty? Will it reduce my SSA pension whenever I decide to receive it? Thank you." - L. Reinhart
https://zurl.co/pfLi
There are a lot of complexities in federal retirement benefits and retirement planning. Let's unravel the key aspects and pitfalls associated with them!
In today's episode, Micah and Christian discuss the importance of understanding federal retirement benefits and avoiding common mistakes. They highlight the significance of understanding cash flow as the heartbeat of retirement planning and explain the FERS annuity benefit formula, breaking down how factors like creditable service, high-three salary, and pension multiplier converge to determine your gross unreduced benefit.
Tune in to find out the common mistakes and get actionable insights on how to navigate your federal retirement planning with confidence.
"Hello, Will OPM issue me a personal FERS Benefits Summary upon request (i.e., similar to the personalized benefit summary issued by Social Security) based on my VA creditable service and High-3 salary or do I have to wait until 60 days prior to my pension benefit start date to find out the amount of my FERS pension benefit??? By the numbers, I qualify for a VA FERS Deferred retirement, but I would like to confirm the amount of my pension benefit now. Thank you." - Cory
"Can I take out a loan towards my FERS contributions? I’m a federal employee and no where close to retirement. Would it work like the TSP loan that I can just pay it back over a few years? I can’t find any information on this topic." - Martin
Ever wondered why your retirement is losing money despite investment diversification? Join Micah and Christian in our latest episode, where they dive deep into this question, discussing the pitfalls and challenges of investment diversification and how it may only sometimes yield the expected results.
Find out why having a structured retirement income timeline is crucial and why you should have a written plan. Learn how to navigate the challenges of overspending and discover long-term investment strategies. Get clear tips on the five-year rule and how it impacts your investments.
Tune in for valuable insights on managing your investments for the long run.
https://bit.ly/3vxbpA0
https://bit.ly/3NW3tOM
As the holiday season ends, it is important to take action about our retirement plans and talk about the changes in the new year!
In today's insightful conversation, Micah and Floyd explore the heartbeat of retirement—cash flow. It's not just about money; it's about creating a rhythm for a fulfilling life.
Learn how to keep track of spending, make small money moves, and understand why having practical and sustainable financial habits is crucial for your financial well-being.
Let's not just make resolutions but take real steps to have a fantastic new year!
Listen to this week’s recap episode with Sierra Steele and learn about estate planning documents for federal employees and the importance of reviewing them regularly, especially in complex situations like blended families.
https://bit.ly/3TvUJ5R
You already know how important estate planning is for your retirement, but do you know the crucial must-do's?
In this episode, Micah Shilanski, joined by our expert advisors, Christian and JT, are discussing the essential aspects of estate planning and the significance of three fundamental documents for every adult aged 18 and above: the Will, Durable Power of Attorney, and Advanced Health Care Directive.
Proper planning is the key to avoiding unintentional disinheritance,
Regular updates and selecting the right individuals are essential, as things change over time, and you need to ensure they align with your values and can handle the responsibilities involved.
''Hi, I'm 61 years old and my FERS supplement is ending soon. What should I do when that income goes away? And how am I going to supplement that income that's normally there?
Thanks.''
https://bit.ly/48Plg2o
Listen to this week’s recap episode with Sierra Steele and learn about the importance of retirement planning and the use of a retirement income timeline tool to help plan for retirement.
https://bit.ly/3GsXDjP
It's time to get invaluable insights from cash flow considerations to navigating the intricate rules of the Federal Employees Retirement System (FERS). Discover the three pillars of federal employee income – pension, Social Security, and TSP/investment income.
Our experts, Christian Sakamoto, CFP, and JT Ferrin, CFP, dive deep into the crucial elements of retirement planning using real-life examples, visual aids, and action items.
Tune in and learn about understanding your monthly spending, decoding FERS retirement rules, and crafting your personalized retirement income timeline.
Happy Planning!
https://bit.ly/49H7fEZ
Listen to this week’s recap episode with Sierra Steele and learn everything you need to know about Medicare and Federal Employees Health Benefits.
https://bit.ly/3FZPhQy
What coverage do you have, and what coverage do you actually need?
Join Micah and Tammy in this episode, where they explain everything you need to know about Medicare and Federal Employees Health Benefits, providing you with the answers you need to make informed decisions about your health coverage.
Understand the importance of healthcare planning and find out the critical changes in healthcare plans, shedding light on the latest updates that directly impact you. Discover the inclusion of infertility benefits across all plans, enhanced maternal health coverage, and a focus on mental health and obesity. Explore the nuances of Medicare Parts A, B, C, and D, and determine whether you need both Medicare and FEHB.
Knowledge is power, and we're here to empower you on your healthcare journey.
I absolutely loved the episode on what you cannot do in the TSP. Naturally, it brought up other questions in my mind. Before I got smart in 2019 and started funneling all of my TSP contributions to Roth, I had designated contributions into Traditional TSP. What is a good strategy when I start withdrawing? Ideally, I'd like to withdraw traditional contributions first, then Roth contributions at a later time (so the Roth balance can continue to grow tax-free). But I don't believe I will have that option when I start withdrawing. What can I do?
Listen to this week’s recap episode with Sierra Steele and learn about the most common things clients miss when talking with Financial Planners.
https://bit.ly/3MAEL5T
should I delay my social security and let my wife draw it until my FRA? I planned on drawing at 62 anyways. I am retired navy and invest in TSP, also disabled. I hope this make sense.
https://bit.ly/3SfzUL8
Listen to 'Follow Up Friday - Year End Tax Planning' and get proactive about your finances and tax planning.
https://bit.ly/4730jjv
As the year winds down, it's time to get proactive about your finances and tax planning!
Join us as we explore strategies to maximize your savings, minimize your tax burden, and tackle your taxes before the last minute of the year comes.
Micah and Floyd will guide you through reviewing your withholdings and making paycheck adjustments to optimize your tax savings and explain the importance of identifying taxable income and tracking gross earnings.
Learn how to make the most of your Thrift Savings Plan (TSP) contributions to secure your retirement future and delve into essential year-end tax planning considerations to ensure you're compliant and financially prepared, whether that are strategies to manage your tax bracket both now and in the future, or unique tax implications for individuals turning 70 and starting Social Security benefits.
What happens to a surviving spouse if an employee dies while working, but that employee was also in the process of buying back military time? My husband has 16 years of service as a Civil Service employee (under FERS), and is currently buying back his military time (12 yrs of military service.) He’s paid a little more than 50% of his military deposit so far.
https://bit.ly/46CSFw6
Learn how to avoid making irreversable mistakes after death and empower yourself with the knowledge you need to plan for a secure future, covered by Sierra Steele.
https://bit.ly/48PDSQH
Don't let irreversible mistakes catch you off guard. Empower yourself with the knowledge you need to plan for a secure future. Let's break down timelines, discuss essential documents like advanced healthcare directives, durable powers of attorney, and wills, and uncover common pitfalls to avoid. Join Micah and Christian as they explore the critical topic of estate planning, unraveling the irreversible mistakes that can occur after someone passes away. Their expert insights shed light on the importance of proper planning, share real-life stories, and provide valuable tips for safeguarding your assets and ensuring your loved ones are taken care of. Whether you're new to estate planning or looking to refine your strategy, this podcast offers actionable advice to help you protect your legacy. Your financial well-being and peace of mind await!
https://bit.ly/3PBPldz
"If I retire after age 62, and supplement my monthly FERS pension by making small withdrawals from my Traditional TSP (assume $2,000/ month), would IRS rules determine that I was now in “distribution status,” and permanently stuck with Minimum Required Distributions every year?" - Victor.
Learn to make informed retirement decisions and secure your financial future with valuable information in regard to your TSP, covered by Sierra Steele.
Whether you're just starting your career, planning for retirement, or already in retirement, or someone looking to understand TSP better, this enlightening episode with our special guest, Kim Weaver, will help you dive deep into the world of Thrift Savings Plan.
Make informed retirement decisions and secure your financial future with valuable information and expert insights on making the TSP withdrawal process more manageable, and learn about the common challenges people face and how to avoid delays and frustration. Understand your options after retirement regarding TSP withdrawals, outstanding loan balances, and required minimum distributions. Find out the latest statistics on separated participants and their withdrawal preferences, including installment plans, life expectancy-based withdrawals, annuities, and more.
I am a Federal retiree and fine with Thrift Savings Plan (TSP) and Federal Employees Group Life Insurance (FEGLI) standard order of precedence beneficiary assignments being spouse, then children in equal shares. I understand this order of precedence is followed when no beneficiary forms are on file. I have not submitted any beneficiary forms. Are there any advantages/disadvantages of filling out beneficiary designation forms to restate this assignment? What are the advantages/disadvantages to naming my Revocable Living Trust (husband and wife) as beneficiary?
Learn why the TSP is such a phenomenal tool for your retirement and find out what you should know about your TSP funding, covered by Sierra Steele.
In this episode, host Micah Shilanski and a special guest - JT Ferrin, delve into explaining the meaning of TSP Spillover and the advantageous role of Health Savings Accounts (HSAs) in retirement savings.
The TSP Spillover is an important concept that might be unfamiliar to many federal employees. Micah and JT provide insights into this administrative change, explaining how it can affect retirement savings and clarifying common misconceptions.
Take advantage of this opportunity to enhance your retirement planning expertise. Whether it's increasing TSP contributions, exploring HSA-eligible health plans during open enrollment, or delving into tax planning for retirement, this episode offers actionable insights to help federal employees make informed decisions about their financial futures.
My husband and I both had careers with the National Park Service. He carried the family insurance for us. He retired in 2021 and did not select me for survivor benefits since I also worked for the federal government. I now want to resign and defer or postpone my retirement until I meet the minimum age. I am 54 (3/10/69). If my husband dies before me, do I still keep federal health benefits with a deferred retirement? What would happen if he does before I reach the minimum age for my deferred retirement?
Learn about your options for living abroad in retirement and find out everything you need to keep your benefits, covered by Sierra Steele.
Do you wonder about your options for living abroad in retirement? Are you ready for change but need to know everything you need to keep your benefits?
In this podcast episode, Joe Curry, CFPⓇ, CHS, joins Micah to delve into the intricate details of retiring abroad. The episode serves as a comprehensive guide for individuals considering the move, covering various challenges and considerations that arise when relocating for retirement.
Get valuable advice and insightful perspectives, from the complexities of financial planning across international borders to the nuances of healthcare options. Whether you're contemplating a move abroad or simply curious about the subject, this episode offers a wealth of information and inspiration to guide you through the journey of international retirement.
All you need to know about your FERS eligibility.
Learn why the Federal Employee Health Benefits (FEHB) is such an excellent benefit for federal employees, allowing them to keep health insurance into retirement, covered by Sierra Steele.
In this episode of Plan Your Federal Retirement Podcast, Micah and Jamie discuss the Federal Employee Health Benefits (FEHB) and how it is an excellent benefit for federal employees, allowing them to keep health insurance into retirement. But most importantly, they dive into the rules for dual Feds, which refers to a married couple where both are federal employees. Find out what actions you should take to keep FEHB in retirement and why reviewing your health insurance options during Open Season is so important.
I'm about 10 years out from retirement. I'm wanting to stop putting money into the traditonal tsp and start a roth. Is that doable. Forms?
Here's what you need to know:
Learn what the importance is of understanding the rules and regulations for federal employee retirement, covered by Sierra Steele.
Are you a federal employee planning for retirement? Do you know that negative outcomes can be prevented if only you know how to find the correct information and understand all the pieces of the Federal Retirement puzzle? But… what if the information you get from HR or OPM is different than what you think is right? How to verify if it is correct or not?
Tune in to this podcast with Jamie and Micah as they discuss the importance of understanding the rules and regulations for federal employee retirement. Hear the real-life examples of clients who received incorrect information and emphasize the need to consult accurate sources and experienced professionals. Learn about strategies for transitioning into retirement and how to differentiate between emotional and financial readiness for retirement.
Everything you need to know about your unused sick in retirement.
How do you know what to have in savings? Learn all about great tips on how to organize your savings and what your goal should be, covered by Sierra Steele.
How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency (911 account) reserves? These questions bother a lot of people. But, the fundamental question for each of us is: What should we have in savings?
If you want to know what experts will advise you, tune in to today’s podcast, where Micah and Floyd discuss the importance of emergency funds for working and retired individuals.
Find out why you should be intentional about saving and separating different accounts for different purposes and why you should consider using different banks for operating and savings accounts.
What you need to know about the earnings test for FERS Supplement and earned income.
Does everybody have the right to a FERS Supplement? Learn all about who will receive it and what you need to do and watch out for, covered by Sierra Steele.
The FERS supplement is a great benefit of your FERS retirement package. This supplement is available to federal employees who retire before age 62 and is a substitute for social security. The amount of the supplement is calculated using the same formula as Social Security, but it is unique to each employee. It's designed to create a social security piece of retirement that needs to be added for those who retire before the age of 62. But do you know what can reduce this supplement or even terminate it?
Join today's Micah and Tammy discussion and find your answers on how is the FERS Supplement Calculated and how the earned income affects it.
What do you need to know about any advantages/disadvantages of filling out beneficiary designation forms to restate this assignment? And what are the advantages/disadvantages to naming my Revocable Living Trust (husband and wife) as beneficiary?
Learn what's possible and what's not when it comes to your TSP in retirement. Here are the 7 things you can not do in TSP in Retirement, covered by Sierra Steele.
Retirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make is assuming you can do anything you want with your thrift savings plan (TSP) after retirement. As a federal employee, you have phenomenal benefits, but as with any other tool, they have strengths and weaknesses. Knowing them can save you lots of money!
Tune in to today’s episode, where Micah and Tammy are sharing the seven things you cannot do with your TSP in retirement and will help you understand the rules governing your TSP in retirement to avoid any costly mistakes.
I am turning 62 and I am drawing disability FERS . Can I draw social security and FERS together? End will my FERS change when I turn 62?
https://plan-your-federal-retirement.com/fers-and-social-security/
The importance of knowing what lies ahead, what to expect and what steps to take when transitioning to retirement, covered by Sierra Steele.
You are getting closer to retirement, but specific tasks must be completed to enjoy it thoroughly. You'll need to take care of all paperwork, or at least have copies of everything, a few months before retirement and a few months after the process starts, and make sure that all questions concerning service history have been answered. You should contact the human resources department, get an update on any electronic personnel records, and make sure that any beneficiary designations and health and life insurance election forms are completed. Also, before you turn it on, double-check everything.
Micah and Tammy guide you through your retirement transition in this episode. So, make sure you listen to the entire episode and implement the action items they provide because the transitional phase may be frightening for many individuals. Don't allow that to happen to you.
Important things you need to know about contributions to your ROTH TRSP:
You've been working and saving and planning for your retirement. And when you retire, you go through a psychological shift from accumulation to distribution. Here lies the importance of understanding your federal benefits and the best way to use them! The TSP is a phenomenal tool; your federal benefits, your pensions are phenomenal. Your health insurance is an outstanding tool. But is it perfect? No.
There are gaps in these things, and we want to bring your attention to understanding how your tool set works. So they can be built for your retirement and never outlive your income.
Listen in as Jamie and Micah Shilanski go through the essential steps and explain the withdrawals in retirement.
Important things that you need to know about your Social Security and Medicare in retirement:
The importance of knowing the different streams of income and how to use them, covered by Victoria Kellerman.
Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and the reality behind some of your incomes. This way - you can work on your plan. The more we plan and apply, the easier and the more successful the retirement will be.
We all know the three stools major of retirement - estate planning, cash flow, and social security. But what about the other income types? Whether it's rental properties, investments, or pensions, it's all part of that financial puzzle.
Listen in as Floyd and Micah dive into how to plan an income for the long term, what to consider, and how to handle the unexpected things that may and will come up.
Learn how to use your TSP in retirement.
The importance of making a financial plan for a great retirement, covered by Victoria Kellerman.
Setting goals and mapping a strategy - these are the ground rules for taking the action in your hands! No, you don't have to be precise or super accurate - we know things change, but navigating towards a point helps you reach the correct destination when sailing.
Join today's discussion between two industry legends - Micah and Floyd Shilanski, where they reveal the most common mistakes you can make while planning for retirement and why they happen. Then, find out about the five areas of cash planning so you can be aware of your cash flow and how that cash flow will change in retirement.
Are you close to the 10% Pension Bonus? Did you even know there was a 10% pension bonus?
Here's what you need to know:
One of the most essential and fundamental questions is choosing the right federal retirement plan!
Do you know how much you should save for your retirement? Are you being realistic with your intentions and expectations? Do you have a retirement income? And what if there is a gap... is there a way to solve it?
Listen in as Micah and Tammy dive into the details of making the right decisions and the most important things you should pay attention to!
Will your FERS Supplement be reduced if you have other earnings?
Here's what you need to know:
What happens if you make the wrong selection?
Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance...
Any different kinds of SCD and any tips on taxes?
Do you know all these rules and details you should consider while planning your retirement?
We hope you get the most out of your benefits, so today, we cover some of the costly mistakes we see Federal Employees make.
Listen in as Micah Shilanski and Christian Sakamoto point out these mistakes and learn how to avoid them!
I have 31k in my TSP. Is it possible to withdraw the total amount at one time? Here's what you need to know.
I am new to the whole HSA thing as I had Blue Cross and APWU insurance for the previous 30 years, and I’m not sure I quite understand the benefits of it. Can you discuss the benefits of maximizing the amount of contributions to the HSA to maximize my benefit in retirement?
Accidents happen, but some come with severe consequences. For example, when covering someone with your HSA that you shouldn't cover, you can face severe penalties!
That is why in today's episode, Tammy and Micah cover some fraudulent issues that can come up with health insurance and survivor benefits.
Listen in as they explain how to make sure you are making the right decisions and determine who is eligible to go under your health insurance.
Will you be able to keep FEHB into retirement? Here's what you need to know.
Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman.
Changes are happening, and questions have been raised! That is why we have a special guest in today's episode - Steven Jarvis, CPA. Micah and Steven will answer the most common question out there these days and clear out all of your confusion.
Join us and find out what is the Secure Act 2.0, and why does it matter?
If there's a big Fers retirement Cola increase coming, when is the best time to retire to make sure you get the increase?
Learn the options for social security benefits if you or your spouse passes away.
You can find more information by clicking here: https://bit.ly/38ryYM7
The benefits in retirement that Federal Employees have are based on three things:
To avoid misconceptions about one of the most essential things in your retirement planning - Social Security - we have Floyd Shilanski and his years of experience. Find out the different strategies you can use and learn when you can vs. when you "should" apply for your social security. Listen to what Floyd and Micah say about Social Security and how to make the best of it!
Do you know the difference between a Postponed retirement and a deferred retirement? Here's what you should know BEFORE you retire.
Learn how your sick leave is used to calculate your retirement benefit and what happens to your annual leave when you retire.
You can find more information by clicking here: https://bit.ly/3ir9nbP
It is crucial to be hyper-intentional when it comes to your retirement! How big of a change can make your sick leave? And how important is this subject in choosing the best day for your retirement?
In this episode, we detail some tweaks you can make to your retirement plan to get all the benefits you earned. Do you know how sick leave can affect your retirement calculations? Join Christian and Micah in clearing out the difference between the annual leave concept versus retiring with sick leave.
When you retire and have annual leave hours, you get paid out. So it would be best if you are also intentional about how the sick leave hours will add to that equation. Thinking of this is very important. Once you have chosen the best date for retirement, we can alter it based on sick leave or even yearly leave. Should we burn our annual leave? Should we burn our sick leave? What makes the most sense to do it? Which one is worth more? Get all your answers today and make the best of your retirement benefits!
When you’re eligible to retire and how the benefit is calculated under the FERS retirement system.
https://bit.ly/39pUPac
You can find more information by clicking here: https://bit.ly/2Zgjhmv
Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve your financial situation. How much are you saving, and how can you save more? How can you organize your income better?
It is crucial to ensure you are not just following the old rules - you need to know the significant changes in the tax code regarding IRAs and inheriting IRAs. But don't worry. We've got you covered!
We know that cash flow is the heartbeat of Retirement, so in our latest episode, Christian and Micah go through the basics of setting yourself up for success and focusing on retirement income from a 'net' point of view.
Click here for extra resources:
Learn what you need to know about survivor benefits for your spouse.
Find out if you should buy back 20 years of military time.
How to use a Thrift Savings Plan (TSP) in retirement.
What happens if you make the wrong selection.
Learn what happens with unused sick leave when you retire.
Key questions to ask yourself when deciding where to withdraw from during retirement.
Clarifying the best time to retire.
What to know about buying back military time.
Answering listener questions about the TSP.
What to know about converting TSP dollars.
A common mistake that happens when federal employees are calculating their pensions.
What to know about ROTH accounts, contribution limits, and more.
Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is often a topic that isn’t addressed properly, and budgeting typically puts a bad taste in people's mouths, but in this episode, you will hear why some of the greatest advisors actually get down to the nitty gritty budgeting details with their clients when it comes to retirement. Listen in as Micah and Christian dish out tips for better understanding your cash flow and creating a better budget that actually works and sticks.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/64
How often to review your beneficiaries and estate planning.
What to know about the source of your income after you retire.
There are a couple of times a year when it’s really important to have clients come in and review things. As we move into the fall/winter season, this is one of those times for both Micah and today’s guest, Christian Sakamoto. Today Christian and Micah talk about some of the key things they’re discussing with clients and how they use this transitional season to ensure everyone is on the right track.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/63
Divorce, survivor benefits, and more.
What to think about in the first 12 months as a widow/widower.
The effects of inaccurate information can be devastating, and there’s a lot of questionable information out there. So, in this episode, Micah and Tammy discuss some important things to be aware of when it comes to a Federal employee passing away. They both draw from some recent situations they have had to help clients through and share tips on how to avoid common mistakes.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/62
Answering a question about converting a TSP to a Roth IRA in the most tax-advantaged way possible.
The pros and cons of paying off or buying a house using your TSP.
Today Micah and Tammy tackle estate planning, a topic that impacts a lot of people, but that we don’t tend to want to review very often. Despite the common reluctance, there are important details that you will need to review, update, and stay on top of in this area. So don't miss this episode, where you will hear about how estate planning specifically affects federal employees and where to start.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/61
What to know about using retirement benefits to buy a home or pay off a mortgage.
How the TSP Traditional and ROTH components work.
Misdirected advice can often be the most costly advice. So when we get advice, it’s important to hit pause to make sure it makes sense for you. If you’re in a place where you’re weighing the pros and cons of leaving federal service, don't miss this episode. Tammy and Micah unpack many of the most important things you need to know in order to make a secure decision on when to leave service.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/60
How to avoid underestimating retirement income.
Discussing the new TSP withdrawal options.
Christian Sakamoto joins the show again today to help answer some of the top questions we get from people who want to make sure they’re on track for retirement. He will help tackle common misconceptions about being ready for retirement and discuss the details of what actually makes the biggest difference for retirement.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/59
How to use a Thrift Savings Plan (TSP) in retirement.
How the TSP Traditional and ROTH components work.
Have you noticed that the markets are down? Did you know there are some key opportunities to look into when this happens? Well, it just so happens that a phenomenal financial advisor, Christian Sakamoto, is joining the show today to chat with Micah about looking into doing Roth conversions. Listen in as Christian shares key insight on tax diversification and how to set yourself up to be in the best situation no matter what the tax rates are.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/58
What to know about how the FERS supplement works.
What to know about eligibility for Social Security benefits.
Sometimes there are misconceptions we have that lead to big mistakes before retirement—and they all stem from one main problem. In this episode, Micah and Tammy discuss some of the biggest pre-retirement mistakes people make and how you can put a plan in place that allows you to avoid making them. Listen in as they share the importance of having an accurate understanding of what you have and what you want, as well as insight on how to bring those two together.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/57
What happens if you have a break in service but want to come back and keep your FEHB.
Pros and cons to moving investments around.
Many people want to move investments into or out of their TSP, and there are a lot of questions surrounding this lately. Listen in as Micah and Tammy bring up some of the most common questions and dive into what you need to know in order to make solid decisions regarding your TSP.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/56
The requirements for keeping dependents on your health insurance in retirement.
Breaking down ROTH contribution options.
What to know about changing your contributions and whether you can convert your TSP dollars into your ROTH.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/55
Key questions to ask yourself when deciding where to withdraw from during retirement.
When you get the wrong advice about your FERS retirement.
Micah and Tammy have been seeing lots of mistakes and missteps happening lately, with more people reaching out to see whether they were wrong or right—and often having to find ways to fix the things that weren’t right. So in today's episode, they're jumping in to address a few of the situations they have been dealing with and share insight into how you can avoid mistakes and bad advice.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/54
The requirements you have to meet as a federal employee to keep health insurance into retirement—and how it works for spouses.
Answering your questions about military buy back.
The question of whether to buy back military time is something that affects a lot of people. This episode features Christian Sakamoto, a great advisor from our office who has valuable insight to share on this topic. Today, he and Micah discuss the key areas that you need to be aware of to decide whether buying back your time makes sense for you.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/53
Whether you should be contributing to the ROTH TSP account.
Planning for delays with your first retirement check.
How do you achieve retirement dreams and get an income that you can’t outlive in retirement? Micah is flying solo in today’s podcast to answer this indirect question that he gets when meeting with clients. He discusses how to decide what you want to spend in retirement and shares the tools he uses to help people plan for that.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/52
When you’re eligible to retire and how the benefit is calculated under the FERS retirement system.
https://bit.ly/39pUPac
Learn the requirements you have to meet in order to keep FEHB into retirement as a federal employee.
You can find more information by clicking here: https://bit.ly/3sMtXVM
What you should consider before canceling FEGLI.
What to know when deciding who to designate as your TSP beneficiary.
What you need to know about HSAs.
You can find more information by clicking here: https://bit.ly/3MqATSw
Learn whether the FEHB premiums in retirement are deductible.
What happens if you make the wrong selection.
How your pension will be taxed in retirement as a Federal Employee.
You can find more information by clicking here: https://bit.ly/3f2jgcM
Learn what you need to know about taking money from your TSP, how it could impact your taxes, and more.
What to know about tax planning for FERS employees.
Learn what to consider before deciding to leave federal service.
Learn whether you can contribute to a spousal TSP account with your income.
Answering your questions about combining a career in military service with a career in federal civilian employment.
Answering your tax questions.
In this episode, Micah is joined by a special guest who will shed light on some myths and misconceptions that you may be dealing with while doing your taxes this year. Steven Jarvis is a CPA and the cohost of the Retirement Tax Podcast, and he’s just who we need on the show this time of year to share his insight and help you more easily navigate tax season.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/47
Clarifying the best time to retire.
Answering listener questions following Monday's episode.
When it’s time for that little blue book to arrive, it’s important not to just file it away. Today, Micah and Tammy share what this little book is and how you can use it to review your retirement benefits. You will learn why it’s so key to ensuring your retirement is on track and also a valuable tool to use when something seems "off" about your retirement benefits.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/46
What to know about accrued annual leave and more.
Answering listener questions to help you better understand long-term care.
As people get ready to retire, questions about long-term care often start coming up. Although it may not be the most fun subject, it’s a great one to have a solid understanding of and plan for. So, in this episode, Tammy and Micah let you in on the things you most need to know about LTC, as well as things you should avoid.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/45
How to know when it's worth it to withdraw your FERS contribution.
How to plan TOGETHER for a successful retirement.
Now that we’re in February, we're going to call this episode "the love episode"—and there’s no love like survivor benefits. So today, Micah and Tammy discuss important planning decisions when it comes to retiring as a couple and planning for post-retirement transitions. You will also get a great look into survivor benefits, including what you should be looking out for and thinking about to allow that process to go smoothly.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/44
Learn what effect taking an early retirement could have on your pension income.
Answering your questions about TSP, Roth conversions, and more.
Sometimes we get so caught up on end-of-the-year stuff that things can easily be missed or slip by us if we’re not careful. Tammy and Micah thought through what some of these things might be and came up with a list that will help you plan ahead when it comes to the TSP in particular. Instead of focusing on distribution rules, they’ll be talking about how you can really focus on figuring out the best time to do some of these things.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/43
Learn what happens with unused sick leave when you retire.
What you need to be thinking about getting done in the new year.
It’s a new year, and Tammy and Micah are here to talk about some of the things that have changed, some of the things that might change in 2022, and what you can do to maximize your retirement. They will be going through some notable areas that will need your attention in order to ensure that you are on track for your retirement.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/42
Addressing a common misunderstanding about how lifecycle funds work.
In this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are deciding at what age to take Social Security, wanting to calculate a FERS pension, or trying to find the best savings and growth plans in retirement, this episode is for you. Not only will they be addressing these specific topics, but they will also provide insight into how the answers can affect you, as well.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/41
How to change your TSP and what allocations to make when planning for retirement.
In this mini-series, Micah and Tammy have been talking about your TSP during a time of volatility and the strategies you can implement to encourage growth and stability at all times. (If you haven’t yet, check out the previous two episodes where they answer questions about TSP in retirement and outline the bucket strategy.) This third episode is all about the silver linings and great changes the TSP has made and why it is such a great wealth-building investment tool.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/40
Tax planning strategies around required minimum distributions.
Today, Tammy and Micah continue to address questions they’ve been receiving regarding your TSP and market volatility. In this second part of the series, they will focus on giving insight into the strategies they use when planning. (If you haven’t tuned in to the first part, head back to check out episode 38 before jumping into this one!)
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/39
What you need to know about filing an application for a deferred retirement.
Thoughts on making changes to your TSP due to the recent market volatility.
How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of questions related to this lately, so today—and for the next few episodes—they’ll be giving you access to a webinar they did on this topic. Over this 4-part series, you’ll learn about how the TSP works, what to do when it goes down in value, and more.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/38
Learn the best way to take your Social Security income.
Answering listener questions about our "controversial" podcast.
Right now, the entire world revolves around COVID—even more so with executive orders and rules that are requiring employees to get the vaccine by the end of November. Micah and Tammy have gotten quite a few questions about how this situation might play out in terms of federal benefits, so today they’ll be discussing the differences between non voluntary and voluntary separation, as well as what financial and benefit effects the vaccine mandates have with your employment.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/37
Learn how to determine your best date to retire.
Answering listener questions about Medicare Advantage and retirement.
At 65, something happens to all of us where we have this forced decision that we have to deal with when it comes to Medicare—and it opens up a few more options. There are a lot of rumors about Medicare that go around (some true, some not true), so facing plan changes and all the uncertainties can be a bit overwhelming. Today, Micah and Tammy get into some of the most important parts of this key decision so you will have a better idea of how to plan for when that time comes.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/36
Planning for delays with your first retirement check.
Answering additional questions about Social Security, COLA, and TSP benefits.
Today, Micah and Tammy are picking up where they left off in the last episode and discussing Social Security COLA and your TSP COLA. They'll be sharing how those two things work together, as well as how you can plan for them to serve you best.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/35
Learn about the rules surrounding the penalties for Roth TSP withdrawals.
Answering listener questions on COLA, employee pay raises, and more.
Many people are under the wrong impression when it comes to retirement, COLA, and pay increases. Once the numbers are run, things are rarely as rosy as they may have seemed during planning. So today, Micah and Tammy will be addressing this and a few other additional misconceptions people have when planning their retirement.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/34
Learn whether the FEHB premiums in retirement are deductible.
Learn what to consider about life expectancy when planning for retirement.
When preparing for retirement, it's important to plan for flexibility. There are a number of post-retirement risks that can upend the most precisely laid-out retirement plans, and the longer the retirement period grows, the harder it is to be certain you have planned accordingly with your assets. So, in this episode, Micah and Tammy will be sharing several misconceptions around the risk of retirement, as well as the actual risks and the potential impact they may have on your financial future.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/33
Learn what tax deduction you get while employed that you'll lose in retirement.
Learn whether you can contribute to a spousal TSP account with your income.
Action items for maximizing your retirement.
More and more federal employees are thinking about retiring at the end of the year, and while we’ve already gone over the best times to retire, this episode is going to focus on this common aim for retirement and how to get ready for it right now. You'll learn what you can do to prepare and ensure that you don’t overspend, as well as what can cause delays in receiving your retirement and how to manage expectations.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/32
Learn what to consider before deciding to leave federal service.
Learn more about the things that can sabotage your retirement.
Learn how to use your TSP in retirement.
When it comes to retirement, there is an overwhelming amount of incomplete or incorrect information on the internet purported as fact. The truth is, you don’t know what you don’t know, so it can be easy to overlook these misconceptions and accept them as truth. In this episode, Micah and Tammy will be sharing some insights into things you can look at before you retire to ensure your path to a clear and relaxed future.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/31
Learn the important differences between retiring at 60 and retiring at 62.
Learn what you need to know about survivor benefits for your spouse.
There is so much misinformation out there, and sometimes, it is important to simply get back to basics and ensure your information is correct. So in this episode, Micah and Tammy will be going over the fundamentals of retirement, focusing on how things may change from individual to individual and the different choices that may affect your specific case.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/30
Tips for figuring out the best plan for your retirement.
Learn whether there is any benefit to delaying retirement.
Will a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP to a Roth TSP—and will there be penalties? These are just some of the things that Micah and Tammy will be covering in today’s episode as they reply to questions sent in by you, the listeners.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/29
Learn what you need to know about taking money from your TSP, how it could impact your taxes, and more.
What you need to know about how a divorce can impact your retirement planning.
Learn whether you're still allowed to contribute the maximum to your TSP account if you only work half the year and more.
Divorce is generally not a fun topic, but when you are considering retirement, it is a necessary discussion to have. For many people, the terms and conditions of a divorce can come back to haunt them—even decades later—if they are not completely settled upon in the beginning. So in this episode, Micah and Tammy will be discussing divorce and how to understand all the legal language within a court order so you can avoid any financial shocks later in life.
You can find all show notes for this episode at: https://plan-your-federal-retirement.com/28
Questions to ask yourself to ensure you're properly balancing your social security and TSP so you get the most benefit.
You can find more information by clicking here: https://bit.ly/3gsha7T
Learn what you need to know about how to avoid unexpected taxes on your pension.
You can find more information by clicking here: https://bit.ly/3iKo3D2
Are you wondering what to do about your social security or how to go about taking money from your TSP? If so, this episode is for you! Today, Micah and Tammy chat about how to balance social security and TSP so you get the most benefit. You’ll also learn what things you need to be aware of in order to get the most out of your benefits and make a plan for how to cash in on them properly.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/27
Learn how your sick leave is used to calculate your retirement benefit and what happens to your annual leave when you retire.
You can find more information by clicking here: https://bit.ly/3ir9nbP
What you need to know about your TSP benefits so you can avoid risk and maximize your retirement funds.
You can find more information by clicking here: https://bit.ly/345lVxb
What you should consider before canceling FEGLI.
You can find more information by clicking here: https://bit.ly/34BdfPy
You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement success? In this episode, we’re talking all about the Thrift Savings Plan and how to find that sweet spot to maintain a nice retirement lifestyle and your savings at the same time. Listen in as we discuss the things you need to consider before taking a loan from the TSP account, what you should maybe look into as a first step, and why it’s important to plan and have an emergency fund.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/26
How to protect and prepare your loved ones for unexpected life events.
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Learn what you need to know about your survivor benefit election.
You can find more information by clicking here: https://bit.ly/3fMrYMG
It’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with and how you can avoid those issues. As the title hints, life events are a key area where many people do not do enough planning or strategy and in the long run, it hurts them. You will get insight on the types of life events that are most important, how to plan for them and what to watch out for so that you’re set up for success.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/25
The importance of looking over your policies, reevaluating your beneficiaries and everything you need to know about FEGLI.
You can find more information by clicking here: https://bit.ly/3uBhxSp
Is it better to take money out of a traditional or Roth balance when supplementing your living expenses from TSP, prior to collecting social security?
You can find more information by clicking here: https://bit.ly/33ITsNB
With so many misconceptions around life insurance, it can be hard to determine the appropriate plan or amount for your needs. Unfortunately, there are some people in the financial business that believe it is a one size fits all service, however that is not the case. So where do you begin? In this episode, Micah and Tammy will be dispelling some of these myths as well as explaining exactly how life insurance works - including how much you need, how long to keep it and how to simplify the situation.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/24
How to properly plan for the day of your retirement.
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How your pension will be taxed in retirement as a Federal Employee.
You can find more information by clicking here: https://bit.ly/3f2jgcM
With more retirement planning and with every year that retirement gets closer, the question is often asked, “What day is best to retire?” Tammy and Micah sit down to set the record straight when it comes to choosing a retirement date. They share how people tend to focus on maximizing benefits and where else you might want to put your focus when making decisions on retirement timing.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/23
Do you have a plan put in place for who will inherit your assets after your demise? Many people are solely focused on increasing their assets whilst they are still alive, but often forget about securing who it will all go to when they are gone. In this episode, Micah and Tammy will be discussing the documents that ever person over the age of 18 should absolutely have, as well as several documents that are optional but will improve your estate planning in the long run.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/22
Learn the requirements you have to meet in order to keep FEHB into retirement as a federal employee.
You can find more information by clicking here: https://bit.ly/3sMtXVM
Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately, retirement planning doesn’t stop when you retire, and it’s important to make sure you’ll be able to maintain your goals once you have retired. So in this episode, Micah and Tammy will be going over the next steps after your transition out of work, including the dates to be aware of and planning opportunities that may come up.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/21
Learn what happens to your sick leave in retirement.
You can find more information by clicking here: https://bit.ly/2OAIEgA
When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to what planning you have put in place to set yourself up for success. In this episode, Micah and Tammy will be sharing the practices you must have in place the year of retirement in order to ensure you can segue out of your working life with confidence.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/20
Learn how FEHB works with Medicare.
You can find more information by clicking here: https://bit.ly/3sqQ30J
When we consider retirement, most of us think about this chapter in our lives as a positive time—and it can be, as long as we are fully prepared. So today, Micah and Tammy will be discussing all the measurements to put in place as you approach your retirement. They will be sharing how to ensure your loved ones are protected through insurance, as well as the courses you can take to better understand your benefits.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/19
Learn the options for social security benefits if you or your spouse passes away.
You can find more information by clicking here: https://bit.ly/38ryYM7
When you are planning for your retirement, there are a lot of different areas you need to be aware of financially, and it can be an overwhelming amount of information to take in at once. So today, Tammy and Micah will be discussing the key factors to keep an eye on when you are 5-10 years out from retirement, including pensions, health insurance, and more.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/18
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Tax season is upon us, and for many, it is a scary time. With so many opinions floating around, it is hard to decipher between what is fact and what is simply a misconception. So today Tammy and Micah will be discussing common mistakes made when it comes to taxes and how to avoid them this year.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/17
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Does it make sense to stay a full thirty years in the federal government just to receive a better pension? Ten years (or more) before retirement, many employees begin to question whether it is worth remaining in their positions or if they should try something new. In this episode, Micah and Tammy discuss what your pension is worth and the rules around retirement eligibility.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/16
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There is so much that we can’t control, and it’s easy to focus on those things and feel helpless to stop them. But in this episode, we’re flipping the narrative and focusing on the things we can control in our personal lives that can really make an impact on your retirement plan.
Listen in to find out some of the small but neat changes that are coming into effect this year, and how you can apply or leverage these changes to positively impact your retirement strategy. Micah and Tammy will be talking all about the small and big changes you need to be aware of so you can take action, re-assess what your strategy is, and make some changes for the new year.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/15
You can find more information by clicking here: https://bit.ly/35lvUzF
Mary Beth Franklin is our go-to expert for all things Social Security benefits. With over 40 years as a financial journalist and a CFP designation, she has a wealth of knowledge and understands Social Security from the financial planning point of view. She is a contributing editor at InvestmentNews, an author, and an in-demand speaker and frequent guest on numerous radio and television programs.
Listen in as she joins Micah and Tammy today to discuss the best strategy for taking your Social Security benefits, why you may want to consider waiting before pulling them, and how your marriage should factor into your overall benefits strategy.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/14
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What kind of protection does the spouse of a federal employee have? Does everyone need insurance—and how is it beneficial? In this episode, Tammy and Micah answer frequently asked questions sent in by listeners, addressing everything from survivor benefits to your high-3.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/13
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Today Micah’s sister, Jamie Shilanski, joins the show to talk about financial planning and the inconsistent advice that many people are hearing regarding their finances. Jamie is also an awesome advisor based in Alaska, and she has great insight and stories to share that will help you find the right advisor and make an effective plan.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/12
You can find more information by clicking here: https://plan-your-federal-retirement.com
When is the right time to retire? And what are the different options as a federal employee? While everyone wants to retire early, the fact is the “perfect time” is different for everyone. So in this episode, Micah and Tammy share how to prepare yourself, as well as your spouse, for your retirement and the steps you need to take to ensure a smooth transition.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/11
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We’re on the brink of another open season, so today Micah and Tammy are sharing the information you need to know about this upcoming season. You will learn one of the best benefits you have, how to choose a plan that allows you to take full advantage of your retirement, and what to expect in the next year.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/10
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Have you served in the military, but aren’t quite sure how to use that military time for your civil service? A lot of mistakes get made in this area, whether it’s misconceptions, not getting documents in order, or even a communication issue with your HR department about what counts—or does not count—for retirement with your military service. If this sounds familiar, this is the episode for you.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/9
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Today Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about their retirement dilemmas, from accessing TSP and early retirement to Roth conversions, social security, widow’s benefits, and more. Listen in as Micah and Tammy share their insight in these areas so you can be prepared and equipped to make the best decisions on your federal retirement plan.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/8
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Today Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of water-cooler talk about the rules of retirement, but do you know how to make the best decisions for your unique situation? Listen in as Micah and Tammy share where to start when thinking about how much you’ll need, as well as the most powerful thing to start learning today to make your retirement strategy work for you.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/7
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We hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the benefits while they are still available. So today, Tammy and Micah are discussing the misconceptions that lead to this idea, as well as the history of the system and how changes tend to happen.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/6
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Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t all it’s cracked up to be? Today Micah and Tammy are discussing the common misconceptions of retirement and how to set yourself up for a happy and wealthy retirement.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/5
Micah and Tammy have shared their thoughts and experiences with credible services, agency estimates, and other incomes, but what about risk management? In this episode, they will be discussing the different insurance options you have as a federal employee and how to keep that health insurance into retirement.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/4
When you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make these dreams come true. So in this episode, Tammy and Micah will be focusing on the “other incomes” that you have access to and discussing the important decisions surrounding these incomes.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/3
To have a comfortable and enjoyable retirement, you need a financial safety net to fund it all. So when you are planning for the rest of your life, how much money are you actually going to have? Today Micah and Tammy are discussing retirement estimates and how to accurately calculate what your pension will be.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/2
Welcome to the FERS Retirement Podcast, where Certified Financial Planner Micah Shilanski and Principal Retirement Specialist Tammy Flanagan come together to ensure you are making informed decisions as you plan for your retirement. Each week, you will hear them share the unique financial planning considerations that federal employees have that may not be addressed in generic financial planning.
You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/1
