Latest Vorbe Podcast Episodes

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Avoiding Regrets in Retirement: Five Lessons for Federal Employees

Plan Your Federal Retirement Podcast - June 04, 2024 11:00 - 9 minutes
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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#104 Optimizing The TSP For Retirement

Plan Your Federal Retirement Podcast - June 03, 2024 11:00 - 26 minutes
Are you seeking clarity on TSP strategies? Join us on our latest podcast episode, where Christian and JT decode the complexities of TSP investments. From cracking the complexities of TSP investment options, including the G, F, C, S, and I funds, to unraveling the benefits of dollar-cost averag...

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Moving TSP Money to G Fund - Here is What You Need To Know

Plan Your Federal Retirement Podcast - May 29, 2024 11:00 - 7 minutes
I am 8 years from retirement and currently invested 100% in the C fund. When should I start moving money to the G fund and should it be based on a percentage of my current balance, or should I base it on how many years of withdrawals I want to protect once fully retired i.e. 8-10 years. -  Paul ...

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Understanding the Tax Implications of Life Insurance

Plan Your Federal Retirement Podcast - May 28, 2024 11:00 - 6 minutes
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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Understanding Medicare Premium Surcharges (aka IRMAA)

Plan Your Federal Retirement Podcast - May 21, 2024 11:00 - 8 minutes
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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#103 Don’t Replace Your Expenses in Retirement

Plan Your Federal Retirement Podcast - May 20, 2024 11:00 - 24 minutes
Are you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle more than you realize. Join Micah and Tammy in this episode as they discuss the critical aspects of retirement planning. Learn why aligning pre-retirement income...

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When Can You Collect Your SRS (Special Retirement Supplement)?

Plan Your Federal Retirement Podcast - May 15, 2024 11:00 - 5 minutes
If I retire age 59 under Postponed Retirement can I collect the SRS - Kenneth  https://zurl.co/Kom2

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Your TSP Journey: Decisions to Make at Retirement

Plan Your Federal Retirement Podcast - May 14, 2024 11:00 - 15 minutes
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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What Documents Do You Need Before Retirement?

Plan Your Federal Retirement Podcast - May 07, 2024 11:00 - 8 minutes
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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#102 Key things Advisors Wish Their Clients Knew

Plan Your Federal Retirement Podcast - May 06, 2024 11:00 - 29 minutes
It is time to discuss retirement planning, cash flow management, and potential retirement expenses! In this special episode, Micah leads a discussion with Floyd Shilanski, RCF®, a team of seasoned advisors,Christian Sakamoto, CFP®, and JT Ferrin, CFP®, to uncover the crucial aspects of retirem...

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Military to Civilian Transition

Plan Your Federal Retirement Podcast - May 01, 2024 11:00 - 7 minutes
Hello, I appreciate your videos very much. I am active duty and retiring next year, intending on becoming a GS employee. Can you do one on the military to civilian transition with regards to TSP and other issues, besides buying back time? I have both Roth and Traditional military accounts, and I...

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The Hidden Tax You Need to Be Aware of in Retirement

Plan Your Federal Retirement Podcast - April 30, 2024 11:00 - 5 minutes
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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Does Sick Leave Count as 5.8 Hours Day or 8 Toward Service Credit

Plan Your Federal Retirement Podcast - April 23, 2024 11:00 - 7 minutes
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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#101 Secure Your Retirement with the Thrift Savings Plan

Plan Your Federal Retirement Podcast - April 22, 2024 11:00 - 36 minutes
Are you ready to embark on a journey towards a secure retirement? Join our experts, Micah and Tammy, as they analyze advanced retirement strategies to help you achieve financial security in your golden years. From understanding the critical importance of tax planning to maximizing your TSP ben...

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How do I Calculate My High-3?

Plan Your Federal Retirement Podcast - April 17, 2024 11:00 - 2 minutes
How do I calculate my high three? I was a FERS employee from 1991-2000 then returned to FERS in 2022. I am 58 with a total of 23 years of credible FERS retirement because I did a military buy back of my active duty time (I retired from the Army Reserve). I know I will be giving up my SRS, but I ...

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Is Social Security Going to Run Out?

Plan Your Federal Retirement Podcast - April 16, 2024 11:00 - 9 minutes
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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Tax Management: How to Withhold Taxes From Social Security

Plan Your Federal Retirement Podcast - April 09, 2024 11:00 - 4 minutes
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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#100 Retirement Real Talk: Honest Conversations About Life After Work

Plan Your Federal Retirement Podcast - April 08, 2024 11:00 - 21 minutes
Are you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on the same page about your golden years and have the same expectations? Let's discuss long-term plans, the difficult situations that life can bring, and the importance of ensuring you en...

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The Best Days to Retire in 2024 as a FERS Federal Employee

Plan Your Federal Retirement Podcast - April 04, 2024 11:00 - 10 minutes
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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Federal Pension - A Guide for Former Federal Employees

Plan Your Federal Retirement Podcast - April 03, 2024 11:00 - 7 minutes
I worked for the U.S. Department of Energy from 2/19/1995 to 9/1/2000. I turn 62 on 8/16/2024. I spent my entire federal career at the Nevada Operations Office in North Las Vegas, NV. I live there now. I approached that office to ask when I should begin my application for a federal pension and w...

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Smart Healthcare Planning: Do You Need Both FEHB and Medicare?

Plan Your Federal Retirement Podcast - March 26, 2024 11:00 - 7 minutes
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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#99 Bonus Pod - Answering Question

Plan Your Federal Retirement Podcast - March 25, 2024 23:00 - 23 minutes
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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Optimal Retirement Timing: Should You Wait For a Potential Pay Increase?

Plan Your Federal Retirement Podcast - March 20, 2024 23:00 - 4 minutes
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 reti...

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How to Manage FERS Supplement and Social Security While Employed

Plan Your Federal Retirement Podcast - March 19, 2024 23:00 - 14 minutes
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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#98 Do You Really Need Life Insurance in Retirement?

Plan Your Federal Retirement Podcast - March 11, 2024 12:00 - 34 minutes
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 eff...


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FERS Pension and How It Affects Your Social Security

Plan Your Federal Retirement Podcast - March 05, 2024 12:00 - 5 minutes
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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Unlocking the Rule of 55

Plan Your Federal Retirement Podcast - February 27, 2024 12:00 - 5 minutes
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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#97 How to NOT Go Back to Work in Retirement, 3 Things You Need To Know

Plan Your Federal Retirement Podcast - February 26, 2024 12:00 - 37 minutes
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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Potential Consequences of Exceeding The Earnings Limit in 2024 on FERS Supplement

Plan Your Federal Retirement Podcast - February 21, 2024 12:00 - 7 minutes
"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? Wil...

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