How to Calculate Your Annual Leave Payout When Retiring
Good morning, my name is Alberto. I am a Mail Handler for the Postal Service with 40 years of service. Currently, I can carry over 520 hours of annual leave into 2024. I am planning to retire in December 2025. If I don’t use any annual leave in 2025, I will accumulate an additional 208 […]
#123 TSP Withdrawals: When, How, and Why to Start
Listen to the Full Episode: Understanding your TSP withdrawal options is essential for a successful retirement. In this podcast episode, Micah and Christian break down the three financial phases: accumulation, preservation, and distribution, highlighting the critical decisions federal employees need to make when withdrawing from the TSP. Learn about the different withdrawal options, including lump […]
I Passed On The Fork… Now What Do I Do?
https://youtu.be/-lxMYExTiGQ The Road Not Taken: What Happens When Federal Employees Make (or Avoid) Big Decisions. Understanding Federal Retirement Options: Deferred Resignation, VERA, Postponed Retirement, and Deferred Retirement With the deadline for the “Deferred Resignation” passed, we are getting a lot of questions from federal employees who are saying, “I didn’t take the deferred resignation can […]
FERS Go Bag: Is Yours Packed?
How prepared are you if you no longer work for the Federal Government? Maybe you accepted the Trump Administration’s “deferred resignation” package; maybe your agency did a Voluntary Early Retirement (authorized as a VERA); maybe there was a reduction in force of mass layoffs? Maybe you are one of the many federal employees that we […]
#122 Estate Planning Myths and Facts: What Federal Employees Must Know
Listen to the Full Episode: Estate planning involves more than just creating a will; it’s about ensuring financial security, protecting your loved ones, and avoiding common mistakes that may lead to unintended consequences. In this podcast episode, Micah and Christian discuss essential estate planning topics, including the necessary documents, the dangers of outdated plans, […]
Should You Retire at 60 or Wait Until 62?
Hello, at age 57 years and two months, I separated from federal service for a civilian job after serving 5.3 years and buying back 17.2 years of military time. I currently have a good civilian job and plan to continue working until at least age 62. (I will turn 59 in March 2025.) My question […]
Can I Keep My Spouse’s FEHB Coverage in Retirement Without Survivor Benefits?
My wife is a federal employee and will retire next year. She is going to be 50 years old. I am going to be 58 when she retires. I am on her health insurance which we want to continue having post retirement. Can I stay on her health insurance without her taking either survivor benefit? […]
#121 The Untold Story of Survivor Benefits: Protect What Matters Most
Listen to the Full Episode: Planning for the future involves understanding what happens to your benefits after you are no longer here. In this podcast episode, Micah and Christian explore the details of survivor benefits—who receives what, how to plan ahead, and why your choices are significant. You’ll learn how your pension, Social Security, TSP, […]
Fork or Knife? The Truth About VERA
Listen to the Full Episode: Are you considering early retirement under VERA? Before you make a decision that could affect your benefits for years to come, it’s important to understand the risks and opportunities involved. In this podcast episode, Micah and Tammy discuss the key factors that federal employees should evaluate before opting for Voluntary […]
VERA-Retirement-Guide-Federal-Employees
Are you a federal employee considering Voluntary Early Retirement Authority (VERA)? This comprehensive guide breaks down eligibility, benefits, and financial impacts, including how VERA affects your pension, health insurance (FEHB), and Thrift Savings Plan (TSP). Learn the key steps to avoid costly mistakes, understand your FERS Special Retirement Supplement, and maximize your retirement benefits.
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#120 Reduction in Force (RIF) and Job Changes – What You Need to Know!
Listen to the Full Episode: What does a Reduction in Force (RIF) or job change mean for your federal benefits and retirement plans? These transitions can bring uncertainty, but you can stay in control with the proper preparation. In this podcast episode, Micah and Floyd share strategies to help you navigate career changes and retirement […]
Understanding Tax Implications for Survivor Benefits
Need help with federal employee survival benefits. I looking for specific help with my wife’s survivor FERS and Death Benefits. My wife worked for the Federal government and was still working when she passed. After her death I met with her employer to fill out paperwork to gain access to her TSP (401k) and FERS […]