#99 Bonus Pod – Answering Question

Listen to the Full Episode: Join us for our bonus podcast, where we address the questions we received from federal employees before our latest YouTube Live Session. Our financial specialists, Christian Sakamoto and JT Ferrin, have taken the time to provide comprehensive answers to all the inquiries we received. Listen and discover the real-life examples […]

Optimal Retirement Timing: Should You Wait For a Potential Pay Increase?

Optimal Retirement Timing: Should You Wait For a Potential Pay Increase?

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 […]

#98 Do You Really Need Life Insurance in Retirement?

#98 Do You Really Need Life Insurance in Retirement?

Listen to the Full Episode: 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 […]

Social Security & COLA

Social Security & COLA

Questions about social Security and COLA (cost of living adjustment) are among the most common. Let’s go through the basics with Floyd Shilanski, RCF. https://youtu.be/nyIFiN5ClzY

#97 How to NOT Go Back to Work in Retirement, 3 Things You Need To Know

#97 How to NOT Go Back to Work in Retirement, 3 Things You Need To Know

Listen to the Full Episode: Are you ready to retire without looking back? Let’s discuss essential strategies for retirees to ensure they can enjoy a fulfilling retirement without the need to return to work.  Understanding FERS benefits is only the starting point. But do you know how important it is to understand your financial planning? […]

#96 What is The MOST Important Part of Your Pension?

What is The MOST Important Part of Your Pension?

Listen to the Full Episode: 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 […]

Can you get a Personalized FERS Benefits Summary?

Can you get a Personalized FERS Benefits Summary?

“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 […]

#95 Retire Happy: Essential Steps to a Successful Federal Retirement

#95 Retire Happy: Essential Steps to a Successful Federal Retirement

Listen to the Full Episode: What are the essential steps to a successful federal retirement? Join our experts, Micah and Tammy, in today’s episode as they go through the essential steps you need to take to simplify your path forward before it’s too late. From common errors in application to the importance of a well-thought-out […]

Loan Options Toward FERS Contributions

Loan Options Toward FERS Contributions

“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 https://youtu.be/eki3BgyzNw4

#94 Why is My Retirement Losing Money?

#94 Why is My Retirement losing money?

Listen to the Full Episode: 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 […]

Health Insurance and Taxes

Health Insurance and Taxes

My husband was retired in May of 2020 at age 65 after 20 years of service with the FBI. We kept our health, vision and dental insurances, which are deducted from his annuity. Are these premiums deductible on our yearly taxes? I did read the deductions are made post-tax. – Pamela https://youtu.be/9vBMlzSkxio?feature=shared