Plan Your Federal Retirement Podcast
278 episodes - English - Latest episode: 2 days ago -Financial Planner and benefits experts discuss the intricacies of
the Federal Employee Retirement System. This real world experience allows these benefits experts to address questions they are most frequently asked by Feds as well as Human Resource departments on how benefits work.
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Episodes
Ep #52: How Much Do You Want to Spend in Retirement?
May 23, 2022 07:00 - 19 minutes - 26.1 MBHow 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
FERS Federal Fact Check - Find Out How Much I Will Receive?
May 18, 2022 07:00 - 14 minutes - 33 MBWhen you’re eligible to retire and how the benefit is calculated under the FERS retirement system. https://bit.ly/39pUPac
Follow Up Friday - Complications with FEHB Coverage in Retirement
May 13, 2022 07:00 - 6 minutes - 8.94 MBLearn 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
Ep #51: Before You Cancel FEGLI
May 09, 2022 07:00 - 5 minutes - 8 MBWhat you should consider before canceling FEGLI. https://bit.ly/3vBsHJB
FERS Federal Fact Check - TSP Beneficiary is a Trust
May 04, 2022 07:00 - 13 minutes - 30.7 MBWhat to know when deciding who to designate as your TSP beneficiary. https://bit.ly/3ONyjYP
Follow Up Friday - The Benefits Of Maximizing Your Contributions To The HSA
April 29, 2022 07:00 - 12 minutes - 17.9 MBWhat you need to know about HSAs. You can find more information by clicking here: https://bit.ly/3MqATSw
Ep #50: Can You Deduct Your FEHB Premiums In Retirement?
April 25, 2022 07:00 - 9 minutes - 13.1 MBLearn whether the FEHB premiums in retirement are deductible. https://bit.ly/3n3R8M9
FERS Federal Fact Check - If I Erroneously Select TSP Annuity
April 20, 2022 07:00 - 4 minutes - 11 MBWhat happens if you make the wrong selection. https://bit.ly/37sEktc
Follow Up Friday - Preparing for Retirement Under FERS
April 15, 2022 07:00 - 4 minutes - 6.17 MBHow your pension will be taxed in retirement as a Federal Employee. You can find more information by clicking here: https://bit.ly/3f2jgcM
Ep #49: Withdrawing from Your TSP
April 11, 2022 07:00 - 7 minutes - 10.8 MBLearn what you need to know about taking money from your TSP, how it could impact your taxes, and more. https://bit.ly/3waFnnU
FERS Federal Fact Check - TSP Roth IRA $10,000 Question about Like Kind Direct Transfer
April 06, 2022 07:00 - 7 minutes - 17 MBWhat to know about tax planning for FERS employees. https://bit.ly/3JbZSab
Follow Up Friday - Leaving Federal Service for Private-Sector
April 01, 2022 07:00 - 12 minutes - 16.9 MBLearn what to consider before deciding to leave federal service. https://bit.ly/2WljQMX
Ep #48: Contributing To Spousal IRAs
March 28, 2022 07:00 - 5 minutes - 7.27 MBLearn whether you can contribute to a spousal TSP account with your income. https://bit.ly/3xy6Xfx
FERS Federal Fact Check - When And How Should I Retire?
March 23, 2022 07:00 - 12 minutes - 29.9 MBAnswering your questions about combining a career in military service with a career in federal civilian employment. https://bit.ly/3IuBbpn
Follow Up Friday - Myths about CPA’s and Tax Preparation
March 18, 2022 07:00 - 10 minutes - 13.9 MBAnswering your tax questions. https://bit.ly/3KAhs90
Ep #47: Myths about CPA’s and Tax Preparation
March 14, 2022 07:00 - 34 minutes - 46.9 MBIn 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
FERS Federal Fact Check - Which is Better: December or January Retirement?
March 09, 2022 08:00 - 6 minutes - 15.5 MBClarifying the best time to retire. https://bit.ly/35ZXfKK
Follow Up Friday - When Your Retirement Is Off, What Do You Do?
March 04, 2022 08:00 - 11 minutes - 16 MBAnswering listener questions following Monday's episode. https://bit.ly/3shziqZ
Ep #46: When Your Retirement Is Off, What Do You Do?
February 28, 2022 08:00 - 35 minutes - 48.5 MBWhen 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
FERS Federal Fact Check - Conflicting Information About My Lump Sum Annual Leave
February 23, 2022 08:00 - 5 minutes - 13.4 MBWhat to know about accrued annual leave and more. https://bit.ly/35fyGJf
Follow Up Friday - LTC - What You Need To Know And Avoid!
February 18, 2022 08:00 - 12 minutes - 16.7 MBAnswering listener questions to help you better understand long-term care. https://bit.ly/3rJKJYo
Ep #45: LTC - What You Need To Know And Avoid!
February 14, 2022 08:00 - 35 minutes - 49.3 MBAs 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
FERS Federal Fact Check - Should I Withdraw My FERS Contribution?
February 09, 2022 08:00 - 7 minutes - 17.7 MBHow to know when it's worth it to withdraw your FERS contribution. https://bit.ly/3rz18P6
Follow Up Friday - No Love Like Survivor Benefits (Heart)
February 04, 2022 08:00 - 12 minutes - 16.8 MBHow to plan TOGETHER for a successful retirement. https://bit.ly/3HdXvn7
Ep #44: No Love Like Survivor Benefits (Heart)
January 31, 2022 08:00 - 41 minutes - 57.4 MBNow 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...
FERS Federal Fact Check - FERS Supplement and VERA
January 26, 2022 08:00 - 7 minutes - 16.7 MBLearn what effect taking an early retirement could have on your pension income. https://bit.ly/3rOll2b
Follow Up Friday - TSP Withdraw Plans
January 21, 2022 08:00 - 9 minutes - 13.5 MBAnswering your questions about TSP, Roth conversions, and more. https://bit.ly/3Kji8jT
Ep #43: TSP Withdraw Plans
January 17, 2022 08:00 - 33 minutes - 45.8 MBSometimes 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://p...
Follow Up Friday - New Year Planning (Finance and Fitness: The Two Things You Won’t Do :) )
January 07, 2022 08:00 - 11 minutes - 15.7 MBWhat you need to be thinking about getting done in the new year. https://bit.ly/3sVvPPO
Ep #42: New Year Planning (Finance and Fitness: The Two Things You Won’t Do :) )
January 03, 2022 08:00 - 39 minutes - 53.7 MBIt’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
FERS Federal Fact Check - TSP Lifecycle Funds
December 29, 2021 08:00 - 7 minutes - 17.1 MBAddressing a common misunderstanding about how lifecycle funds work. https://bit.ly/3s043kx
Ep #41: TSP & Market Volatility: Part 4 - Q & A
December 20, 2021 08:00 - 18 minutes - 24.9 MBIn 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 ...
Follow Up Friday - TSP & Market Volatility: Part 3 - Silver Linings
December 10, 2021 08:00 - 6 minutes - 15.6 MBHow to change your TSP and what allocations to make when planning for retirement. https://bit.ly/3GmZuVr
Ep #40: TSP & Market Volatility: Part 3 - Silver Linings
December 06, 2021 08:00 - 24 minutes - 34 MBIn 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 ...
FERS Federal Fact Check - RMDs and Thinking Ahead
December 01, 2021 08:00 - 5 minutes - 11.7 MBTax planning strategies around required minimum distributions. https://bit.ly/3CQB98h
Ep #39: TSP & Market Volatility: Part 2 - Buckets
November 22, 2021 08:00 - 25 minutes - 35.5 MBToday, 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
FERS Federal Fact Check - FERS Retirement Application
November 17, 2021 08:00 - 9 minutes - 21.5 MBWhat you need to know about filing an application for a deferred retirement. https://bit.ly/3cjObjC
Follow Up Friday - TSP and Market Volatility: Part 1 - Markets Go Down...Now What?
November 12, 2021 08:00 - 7 minutes - 10.9 MBThoughts on making changes to your TSP due to the recent market volatility. https://bit.ly/3kr1Z0i
Ep #38: TSP and Market Volatility: Part 1 - Markets Go Down...Now What?
November 10, 2021 08:00 - 26 minutes - 36.1 MBHow 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
FERS Federal Fact Check - Military Survivor Annuity and Social Security, plus TSP Beneficiary
November 03, 2021 07:00 - 6 minutes - 14 MBLearn the best way to take your Social Security income. https://bit.ly/3EAICcV
Follow Up Friday - Non Voluntary vs Voluntary Separation
October 29, 2021 07:00 - 11 minutes - 15.3 MBAnswering listener questions about our "controversial" podcast. https://bit.ly/2Z8RDui
Ep #37: Non Voluntary vs Voluntary Separation
October 25, 2021 07:00 - 28 minutes - 38.8 MBRight 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 s...
FERS Federal Fact Check - Beating the Rush of Retirement Date
October 20, 2021 07:00 - 8 minutes - 20.3 MBLearn how to determine your best date to retire. https://bit.ly/3pzm3RN
Follow Up Friday - Medicare Advantage Within and Outside of FEHB
October 15, 2021 07:00 - 11 minutes - 16.2 MBAnswering listener questions about Medicare Advantage and retirement. https://bit.ly/3vdAz2k
Ep #36: Medicare Advantage Within and Outside of FEHB
October 11, 2021 07:00 - 31 minutes - 43.5 MBAt 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 al...
FERS Federal Fact Check - Should You Collect Unemployment Before Your FERS Pension Check Arrives?
October 06, 2021 07:00 - 4 minutes - 9.36 MBPlanning for delays with your first retirement check. https://bit.ly/3vWWjj3
Follow Up Friday - Social Security, COLA, TSP
October 01, 2021 07:00 - 10 minutes - 15.1 MBAnswering additional questions about Social Security, COLA, and TSP benefits. https://bit.ly/3umWmnJ
Ep #35: Social Security, COLA, TSP
September 27, 2021 07:00 - 32 minutes - 45 MBToday, 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
FERS Federal Fact Check - Roth TSP Withdrawal Question
September 22, 2021 07:00 - 7 minutes - 17.1 MBLearn about the rules surrounding the penalties for Roth TSP withdrawals. https://bit.ly/3zrkHK4
Follow Up Friday - COLA vs. Pay Increase
September 17, 2021 07:00 - 9 minutes - 13.1 MBAnswering listener questions on COLA, employee pay raises, and more. https://bit.ly/3zk6aQ6