Everything You Need to Plan Your Federal Retirement

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Understanding Your FERS Retirement

When we talk about your FERS Retirement, we’re really talking about several different benefits. FERS (Federal Employees Retirement System) has three main components: Basic FERS Retirement Pension Social Security Thrift Savings Plan (TSP) Your FERS pension and Social Security will...

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fers supplement

FERS Supplement

May 10, 2018
Special Benefit for Some FERS Who Retire Before Age 62 Have you heard about the FERS Supplement? It’s an important benefit for FERS planning to retire before age 62 – but it’s so unknown, it’s practically a secret. The FERS Supplement…
military buyback 101

Military Buyback 101

May 10, 2018
Military Buyback for Federal Retirement Getting ready for federal retirement? Could a military buyback towards your federal creditable service make sense for you? Lots of Federal Employees have had prior military service. When we talk about buying back military time…
retirement mistakes

Your High 3 Salary

May 10, 2018
Your High 3 Salary is an important part of your pension calculation for federal retirement.  Your High 3 Salary is the highest average basic pay you earned during any 3 consecutive years of Federal service. You should also know that…
Understanding Your FERS Retirement

Understanding Your FERS Retirement

May 10, 2018
When we talk about your FERS Retirement, we’re really talking about several different benefits. FERS (Federal Employees Retirement System) has three main components: Basic FERS Retirement Pension Social Security Thrift Savings Plan (TSP) Your FERS pension and Social Security will…
Taxation of Federal Retirement Benefits

Taxation of Federal Retirement Benefits

May 10, 2018
How Will Your Federal Retirement Benefits Be Taxed? Many people simply forget – or perhaps just don’t understand the taxation of federal retirement benefits. Taxes will have a big impact on your federal retirement. And if you forget to factor…
Thrift Savings Plan with Kim Weaver

#86: Thrift Savings Plan with Kim Weaver

September 25, 2023
Listen to the Full Episode: 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…
TSP Spillover and funding

#85: TSP Spillover and funding

September 11, 2023
Listen to the Full Episode: 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…
Retirement Rules living abroad

#84: Retirement Rules living abroad

August 28, 2023
Listen to the Full Episode: 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,…
Dual Feds FEHB Rules

#83: Dual Feds FEHB Rules

August 14, 2023
Listen to the Full Episode: 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…
HR - Are they RIGHT or WRONG?

#82: HR – Are they RIGHT or WRONG?

July 31, 2023
Listen to the Full Episode: 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…

Your Federal Retirement Benefits Are Just One Piece of Your Financial Puzzle

The Federal Retirement system is one of the most complex benefits programs around. There are so many exceptions, special provisions, and exclusions that it can be difficult to keep track of your benefits.

My name is Micah Shilanski.  I’m a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement benefits.

Unique Experience in Federal Retirement

I’m the founder of Plan-Your-Federal-Retirement.com. I’ve written articles for FedSmith.  I’ve been featured in articles for NARFE and GovExec.  I teach FERS Pre-retirement classes. I’ve mentored other financial planners.  And I’ve even had the pleasure of teaching online webinars and in-person classes with Tammy Flanagan.

But my most important experience comes from working one-on-one with my financial planning clients.

Most of my clients are federal employees just like you.  I help my clients go from big picture to getting through all the nitty-gritty details to help them achieve the retirement of their dreams.

This is different than the experience of most federal retirement experts.  Because very few have had the same privilege to work one-on-one with federal employees through the entire federal retirement process – *and* continue to work with them for years afterwards.

I’ve seen the mistakes that people (and even some professionals!) can make, and I want to help you avoid them.

You can find lots of information online about federal retirement. But Plan-Your-Federal-Retirement.com is different.  Because we approach your federal benefits from a financial planning perspective.

Our goal here is to help you understand how your benefits work *and* how they fit into the rest of your financial picture. Because it’s important to understand your federal retirement benefits.  But your federal retirement benefits are just one piece of your financial puzzle. The rest of the story involves how your benefit choices will impact the rest of your financial picture.

Worried You’re Missing Something?

Want to be sure you’re not missing important aspects of your retirement planning?  Then you’ll want to be on the list to receive our ezine newsletter.  Each month, we publish an original article on important retirement topics for federal employees.

Your benefits are complex. But it’s worth the time to learn about them to make sure you’re not missing anything. You’ve devoted years, maybe decades of your life to federal service.  It would be a shame to separate from service and miss out on benefits because you didn’t know about them.

Make sure you get the most up to date information from Plan-Your-Federal-Retirement.com.

Don't Outlive Your Retirement

3 Critical Concepts that Most Federal Employees Miss When Planning Their Retirement​

Year after year I see Federal Employees missing the same critical concepts in their federal retirement planning. That’s why I’ve created an online workshop to help educate Federal Employees on these critical concepts.

3-Critical-Concepts-that-FERS-Federal-Employees-Miss-Computer-Screen-Image-1

If you are a Financial Advisor looking to work with Federal Employees,
we are always looking for Advisors that want to deliver massive value to clients.

Our Mission

Plan Your Federal Retirement is on a mission. We want to help 1 Million Federal Employees learn about their retirement, but we cannot reach that goal alone. Help us make PYFR a No.1 resource for federal employees.

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7 CLASSIC RETIREMENT MISTAKES Federal Employees Make

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