#111 Rental Property And Estate Planning
Listen to the Full Episode: Are you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your
Listen to the Full Episode: Are you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your
Listen to the Full Episode: Have you considered what happens to your assets and who will take care of your financial matters when you’re gone?
I am eligible to retire from fed service at 57 1/2. I will have 36 years of service. I plan on using my TSP to
Listen to the Full Episode: Are you seeking clarity on TSP strategies? Join us on our latest podcast episode, where Christian and JT decode the
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
Listen to the Full Episode: Are you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle
Listen to the Full Episode: Are you ready to embark on a journey towards a secureretirement? Join Micah and Tammy, as they analyze advanced retirement
Listen to the Full Episode: Are you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on
Listen to the Full Episode: Are you ready to retire without looking back? Let’s discuss essential strategies for retirees to help ensure they can enjoy
Listen to the Full Episode: What are the essential steps to a successful federal retirement? Join, Micah and Tammy, in today’s episode as they go
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
Listen to the Full Episode: As the holiday season ends, it is important to take action about our retirement plans and talk about the changes
I absolutely loved the episode on what you cannot do in the TSP. Naturally, it brought up other questions in my mind. Before I got
“should I delay my social security and let my wife draw it until my FRA? I planned on drawing at 62 anyways. I am retired navy and
Listen to the Full Episode: Learn to make informed retirement decisions and secure your financial future with valuable information in regard to your TSP, covered
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,
“Love your podcast! I am a Federal retiree and fine with Thrift Savings Plan (TSP) and Federal Employees Group Life Insurance (FEGLI) standard order of
Listen to the Full Episode: Learn why the TSP is such a phenomenal tool for your retirement and find out what you should know about
Listen to the Full Episode: In this episode, host Micah Shilanski and a special guest – JT Ferrin, delve into explaining the meaning of TSP
Listen to the Full Episode: Learn about your options for living abroad in retirement and find out everything you need to keep your benefits, covered
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
“I’m about 10 years out from retirement. I’m wanting to stop putting money into the traditional tsp and start a Roth. Is that doable?” –
Listen to the Full Episode: How do you know what to have in savings? Learn all about great tips on how to organize your savings
Listen to the Full Episode: How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency
Listen to the Full Episode: Learn what’s possible and what’s not when it comes to your TSP in retirement. Here are the 7 things you
Listen to the Full Episode: Retirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make
“I am turning 62 and I am drawing disability FERS. Can I draw social security and FERS together? And will my FERS change when I
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
“I retired from PHMSA/USDOT January 2021 and I just received my first W2 form from the Department of Interior and It says that I paid
Listen to the Full Episode: The importance of knowing the different streams of income and how to use them, covered by Victoria Kellerman. Enjoy the
Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and
Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the
Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,
Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much
Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that
Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance…
“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. https://youtu.be/ueICsrk2rtI Demystifying TSP Withdrawals
Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman.
Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –
Listen to the Full Episode: Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve
“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a
Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is
“My wife and I updated our wills two years ago, it states that all of our estate is to go to the survivor and if
Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things.
“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70.
Listen to the Full Episode: Christian Sakamoto joins the show again today to help answer some of the top questions we get from people who
“I retired as a FERS employee at age 56 with over 32 years of service. Upon retirement, I chose to withdraw $2000 per month from
Listen to the Full Episode: Have you noticed that the markets are down? Did you know there are some key opportunities to look into when
Listen to the Full Episode: Pros and cons to moving investments around. Enjoy the show? Use the Links Below to Subscribe:
Listen to the Full Episode: Many people want to move investments into or out of their TSP, and there are a lot of questions surrounding
“How to plan which source to withdraw from and when (TSP, Roth, other investments) over the retirement years to supplement pensions and SS. Are tax
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
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
“If I erroneously select an annuity from the TSP instead of a withdrawal from it, can I reverse that option? Thanks.” – Orlando. https://www.youtube.com/watch?v=8T69Yxmht-k Listen,
“I am a retired FERS federal employee (age 65). I just watched your episode about a “like kind direct transfer” of tsp funds to an
How to plan TOGETHER for a successful retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Now 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
Answering your questions about TSP, Roth conversions, and more. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Sometimes 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
What you need to be thinking about getting done in the new year. Listen to the Full Episode: Enjoy the show? Use the Links Below
It’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
“Hey! I love the podcast, and I’m hoping you might be able to tell me if my Lifecycle fund-based investment strategy overlooks any important factors.
In this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are
In 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
“I love your podcast and YouTube channel. Thanks. My question relates to Required Minimum Distributions. Looking far ahead I will turn 72 in June of
Today, 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
How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of
https://youtu.be/uFdTV3a4-XA “Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I
https://youtu.be/sTR9M-po3jghttps://vimeo.com/590901980 Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
Tips for figuring out the best plan for your retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Will a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP
At age 59 1/2, I would like to use a TSP one time withdrawal to pay off a mortgage then eventually transfer the balance to
Are you still allowed to contribute the maximum of $26,000 to the TSP even if you only work half of the year? Is there any
I am not sure this question is easy to answer but here goes. I retired in 2019 (LEO RET/Special Provisions) and immediately took a job
What you need to know about your TSP benefits so you can avoid risk and maximize your retirement funds. Listen to the Full Episode: Enjoy
You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement
How to protect and prepare your loved ones for unexpected life events. Listen to the Full Episode: Enjoy the show? Use the Links Below to
Hello Tammy and Micah, Great podcast! Learning a lot. About 5 years away for earliest retirement date. Question: let’s pretend money is NOT an issue
It’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with
“I am 59 and planning to retire a year from now. My wife will retire at the same time (but at age 61, not a
Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately,
When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to
What is the Voluntary Contribution Program? The Voluntary Contribution Program was developed for employees who are part of the Civil Service Retirement System (CSRS). It
Once your FERS Supplement ends, should you take Social Security benefits? This really comes down to a case by case basis. As you probably know
“Micah, love your videos. I’m retired (58 years old) from USPS. Very aggressive in TSP. 40% C, 40% S, and 20% I- I’m down close
“I retired on Dec 31 2019. Don’t you think I should pull all my money out of the TSP and put it in a high
“I am considering transferring/$10,000 from my TSP to my Roth account in Fidelity. Your presentation mentioned TSP to IRA to Roth. What’s the correct
Today Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about
Today Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of
“If I start contributing to Roth tsp this year. I am 56 that would mean I cannot take any contributions from the Roth’s for 5
We hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the
Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t
Answering Retirement Questions If you have questions about your retirement from Federal Service, we can help! Our FERS Federal Fact Check for Federal Employees who
When you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make
TSP Contribution. My spouse recently changed her TSP contribution because her friend told her to. She currently has: L2030 80%, C-Fund 10% and S-Fund 10%.
We have been receiving questions from Federal Employees across the United States this week, wondering if they should make changes in their TSP due to
“I have a tsp question for you concerning the new TSP withdraw options. I retired in 2015 from air traffic control at age 50. Will
“Thank you for the great videos, they are very informative. I do have a question for you. I am 59 years old and a retired
“If I choose to contribute to the ROTH Component of the TSP, how much can I contribute? Will ROTH TSP Contributions effect my Traditional TSP
We have had a tremendous amount of questions from Federal Employees about participating in ROTHs, whether it be in the TSP or the private sector
The Thrift Savings Plan (TSP) was created under the Federal Employee’s Retirement System Act of 1986 for federal employees and members of the uniformed services.
HSA Plan Basics Health Savings Plans (HSA) are a powerful savings tool that could work in conjunction with your health plan if you participate in
“Is there a 10% penalty for signing up for $1,250 monthly straight withdrawal (not an annuity) from the TSP if I retire at my MRA
Traditional vs Roth TSP Understanding the difference between contributions to the Traditional vs Roth TSP is critical to long term financial planning. Before we dive
Without a doubt since its inception in 1997, the ROTH retirement account has gained tremendous popularity. Named after the Delaware Senator, William Roth, under
One of the great questions that we get from people over age 50 is whether or not it is too late to really take advantage
One of the questions that Federal Employees frequently ask us is how they can convert some of their Thrift Savings Plan (TSP) dollars into the
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided us
As a Federal Employee, how will the passing of the Tax Cuts and Job Act impact you? This is a great time of year in
The Best Kept Secret in CSRS eBook Only $7.97 Available for Instant Download CSRS and CSRS Offset Federal Employees have a unique benefit called the
CSRS Voluntary Contributions Transfer to a Roth IRA While the CSRS VCP program was originally designed to allow CSRS to put more money in and
Micah Shilanski, CFP® Micah Shilanski is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement
When you are ready to retire, you have several TSP retirement choices. You can… Leave your money in the TSP Take monthly TSP withdrawals Annuitize
Your Retirement Savings: Questions about Your ‘Cash Bucket’ A portion of your retirement savings needs to be in a ‘Cash Bucket’. A well-funded Cash Bucket
*The Best Kept Secret in CSRS* The CSRS Voluntary Contributions Program (VCP) is a special component of the Civil Service Retirement System. eBook Only $7.97
Some federal retirement benefits give Federal Employees a head start on retiring earlier than most. As a Federal Employee, you know that you have one
Learn about ‘Buckets of Money’ When you’re investing for retirement, it’s easy to get caught up in all of the details. Most federal employees
How Much Money Should be in Your ‘Cash Bucket’? Thinking about your retirement savings and investing for retirement? You should consider putting some of your
The amount of retirement savings you need in your ‘Cash Bucket’ will change as your fixed income changes in retirement. If you’re not familiar with
TSP – “I can take my money out, however I want to in retirement!” Hi, I’m Micah Shilanski from Plan Your Federal Retirement. Welcome to
Listen to the Full Episode: Are you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your
Listen to the Full Episode: Have you considered what happens to your assets and who will take care of your financial matters when you’re gone?
I am eligible to retire from fed service at 57 1/2. I will have 36 years of service. I plan on using my TSP to
Listen to the Full Episode: Are you seeking clarity on TSP strategies? Join us on our latest podcast episode, where Christian and JT decode the
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
Listen to the Full Episode: Are you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle
Listen to the Full Episode: Are you ready to embark on a journey towards a secureretirement? Join Micah and Tammy, as they analyze advanced retirement
Listen to the Full Episode: Are you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on
Listen to the Full Episode: Are you ready to retire without looking back? Let’s discuss essential strategies for retirees to help ensure they can enjoy
Listen to the Full Episode: What are the essential steps to a successful federal retirement? Join, Micah and Tammy, in today’s episode as they go
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
Listen to the Full Episode: As the holiday season ends, it is important to take action about our retirement plans and talk about the changes
I absolutely loved the episode on what you cannot do in the TSP. Naturally, it brought up other questions in my mind. Before I got
“should I delay my social security and let my wife draw it until my FRA? I planned on drawing at 62 anyways. I am retired navy and
Listen to the Full Episode: Learn to make informed retirement decisions and secure your financial future with valuable information in regard to your TSP, covered
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,
“Love your podcast! I am a Federal retiree and fine with Thrift Savings Plan (TSP) and Federal Employees Group Life Insurance (FEGLI) standard order of
Listen to the Full Episode: Learn why the TSP is such a phenomenal tool for your retirement and find out what you should know about
Listen to the Full Episode: In this episode, host Micah Shilanski and a special guest – JT Ferrin, delve into explaining the meaning of TSP
Listen to the Full Episode: Learn about your options for living abroad in retirement and find out everything you need to keep your benefits, covered
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
“I’m about 10 years out from retirement. I’m wanting to stop putting money into the traditional tsp and start a Roth. Is that doable?” –
Listen to the Full Episode: How do you know what to have in savings? Learn all about great tips on how to organize your savings
Listen to the Full Episode: How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency
Listen to the Full Episode: Learn what’s possible and what’s not when it comes to your TSP in retirement. Here are the 7 things you
Listen to the Full Episode: Retirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make
“I am turning 62 and I am drawing disability FERS. Can I draw social security and FERS together? And will my FERS change when I
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
“I retired from PHMSA/USDOT January 2021 and I just received my first W2 form from the Department of Interior and It says that I paid
Listen to the Full Episode: The importance of knowing the different streams of income and how to use them, covered by Victoria Kellerman. Enjoy the
Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and
Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the
Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,
Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much
Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that
Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance…
“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. https://youtu.be/ueICsrk2rtI Demystifying TSP Withdrawals
Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman.
Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –
Listen to the Full Episode: Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve
“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a
Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is
“My wife and I updated our wills two years ago, it states that all of our estate is to go to the survivor and if
Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things.
“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70.
Listen to the Full Episode: Christian Sakamoto joins the show again today to help answer some of the top questions we get from people who
“I retired as a FERS employee at age 56 with over 32 years of service. Upon retirement, I chose to withdraw $2000 per month from
Listen to the Full Episode: Have you noticed that the markets are down? Did you know there are some key opportunities to look into when
Listen to the Full Episode: Pros and cons to moving investments around. Enjoy the show? Use the Links Below to Subscribe:
Listen to the Full Episode: Many people want to move investments into or out of their TSP, and there are a lot of questions surrounding
“How to plan which source to withdraw from and when (TSP, Roth, other investments) over the retirement years to supplement pensions and SS. Are tax
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
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
“If I erroneously select an annuity from the TSP instead of a withdrawal from it, can I reverse that option? Thanks.” – Orlando. https://www.youtube.com/watch?v=8T69Yxmht-k Listen,
“I am a retired FERS federal employee (age 65). I just watched your episode about a “like kind direct transfer” of tsp funds to an
How to plan TOGETHER for a successful retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Now 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
Answering your questions about TSP, Roth conversions, and more. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Sometimes 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
What you need to be thinking about getting done in the new year. Listen to the Full Episode: Enjoy the show? Use the Links Below
It’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
“Hey! I love the podcast, and I’m hoping you might be able to tell me if my Lifecycle fund-based investment strategy overlooks any important factors.
In this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are
In 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
“I love your podcast and YouTube channel. Thanks. My question relates to Required Minimum Distributions. Looking far ahead I will turn 72 in June of
Today, 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
How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of
https://youtu.be/uFdTV3a4-XA “Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I
https://youtu.be/sTR9M-po3jghttps://vimeo.com/590901980 Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
Tips for figuring out the best plan for your retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Will a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP
At age 59 1/2, I would like to use a TSP one time withdrawal to pay off a mortgage then eventually transfer the balance to
Are you still allowed to contribute the maximum of $26,000 to the TSP even if you only work half of the year? Is there any
I am not sure this question is easy to answer but here goes. I retired in 2019 (LEO RET/Special Provisions) and immediately took a job
What you need to know about your TSP benefits so you can avoid risk and maximize your retirement funds. Listen to the Full Episode: Enjoy
You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement
How to protect and prepare your loved ones for unexpected life events. Listen to the Full Episode: Enjoy the show? Use the Links Below to
Hello Tammy and Micah, Great podcast! Learning a lot. About 5 years away for earliest retirement date. Question: let’s pretend money is NOT an issue
It’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with
“I am 59 and planning to retire a year from now. My wife will retire at the same time (but at age 61, not a
Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately,
When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to
What is the Voluntary Contribution Program? The Voluntary Contribution Program was developed for employees who are part of the Civil Service Retirement System (CSRS). It
Once your FERS Supplement ends, should you take Social Security benefits? This really comes down to a case by case basis. As you probably know
“Micah, love your videos. I’m retired (58 years old) from USPS. Very aggressive in TSP. 40% C, 40% S, and 20% I- I’m down close
“I retired on Dec 31 2019. Don’t you think I should pull all my money out of the TSP and put it in a high
“I am considering transferring/$10,000 from my TSP to my Roth account in Fidelity. Your presentation mentioned TSP to IRA to Roth. What’s the correct
Today Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about
Today Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of
“If I start contributing to Roth tsp this year. I am 56 that would mean I cannot take any contributions from the Roth’s for 5
We hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the
Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t
Answering Retirement Questions If you have questions about your retirement from Federal Service, we can help! Our FERS Federal Fact Check for Federal Employees who
When you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make
TSP Contribution. My spouse recently changed her TSP contribution because her friend told her to. She currently has: L2030 80%, C-Fund 10% and S-Fund 10%.
We have been receiving questions from Federal Employees across the United States this week, wondering if they should make changes in their TSP due to
“I have a tsp question for you concerning the new TSP withdraw options. I retired in 2015 from air traffic control at age 50. Will
“Thank you for the great videos, they are very informative. I do have a question for you. I am 59 years old and a retired
“If I choose to contribute to the ROTH Component of the TSP, how much can I contribute? Will ROTH TSP Contributions effect my Traditional TSP
We have had a tremendous amount of questions from Federal Employees about participating in ROTHs, whether it be in the TSP or the private sector
The Thrift Savings Plan (TSP) was created under the Federal Employee’s Retirement System Act of 1986 for federal employees and members of the uniformed services.
HSA Plan Basics Health Savings Plans (HSA) are a powerful savings tool that could work in conjunction with your health plan if you participate in
“Is there a 10% penalty for signing up for $1,250 monthly straight withdrawal (not an annuity) from the TSP if I retire at my MRA
Traditional vs Roth TSP Understanding the difference between contributions to the Traditional vs Roth TSP is critical to long term financial planning. Before we dive
Without a doubt since its inception in 1997, the ROTH retirement account has gained tremendous popularity. Named after the Delaware Senator, William Roth, under
One of the great questions that we get from people over age 50 is whether or not it is too late to really take advantage
One of the questions that Federal Employees frequently ask us is how they can convert some of their Thrift Savings Plan (TSP) dollars into the
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided us
As a Federal Employee, how will the passing of the Tax Cuts and Job Act impact you? This is a great time of year in
The Best Kept Secret in CSRS eBook Only $7.97 Available for Instant Download CSRS and CSRS Offset Federal Employees have a unique benefit called the
CSRS Voluntary Contributions Transfer to a Roth IRA While the CSRS VCP program was originally designed to allow CSRS to put more money in and
Micah Shilanski, CFP® Micah Shilanski is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement
When you are ready to retire, you have several TSP retirement choices. You can… Leave your money in the TSP Take monthly TSP withdrawals Annuitize
Your Retirement Savings: Questions about Your ‘Cash Bucket’ A portion of your retirement savings needs to be in a ‘Cash Bucket’. A well-funded Cash Bucket
*The Best Kept Secret in CSRS* The CSRS Voluntary Contributions Program (VCP) is a special component of the Civil Service Retirement System. eBook Only $7.97
Some federal retirement benefits give Federal Employees a head start on retiring earlier than most. As a Federal Employee, you know that you have one
Learn about ‘Buckets of Money’ When you’re investing for retirement, it’s easy to get caught up in all of the details. Most federal employees
How Much Money Should be in Your ‘Cash Bucket’? Thinking about your retirement savings and investing for retirement? You should consider putting some of your
The amount of retirement savings you need in your ‘Cash Bucket’ will change as your fixed income changes in retirement. If you’re not familiar with
TSP – “I can take my money out, however I want to in retirement!” Hi, I’m Micah Shilanski from Plan Your Federal Retirement. Welcome to
Listen to the Full Episode: Are you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your
Listen to the Full Episode: Have you considered what happens to your assets and who will take care of your financial matters when you’re gone?
I am eligible to retire from fed service at 57 1/2. I will have 36 years of service. I plan on using my TSP to
Listen to the Full Episode: Are you seeking clarity on TSP strategies? Join us on our latest podcast episode, where Christian and JT decode the
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
Listen to the Full Episode: Are you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle
Listen to the Full Episode: Are you ready to embark on a journey towards a secureretirement? Join Micah and Tammy, as they analyze advanced retirement
Listen to the Full Episode: Are you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on
Listen to the Full Episode: Are you ready to retire without looking back? Let’s discuss essential strategies for retirees to help ensure they can enjoy
Listen to the Full Episode: What are the essential steps to a successful federal retirement? Join, Micah and Tammy, in today’s episode as they go
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
Listen to the Full Episode: As the holiday season ends, it is important to take action about our retirement plans and talk about the changes
I absolutely loved the episode on what you cannot do in the TSP. Naturally, it brought up other questions in my mind. Before I got
“should I delay my social security and let my wife draw it until my FRA? I planned on drawing at 62 anyways. I am retired navy and
Listen to the Full Episode: Learn to make informed retirement decisions and secure your financial future with valuable information in regard to your TSP, covered
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,
“Love your podcast! I am a Federal retiree and fine with Thrift Savings Plan (TSP) and Federal Employees Group Life Insurance (FEGLI) standard order of
Listen to the Full Episode: Learn why the TSP is such a phenomenal tool for your retirement and find out what you should know about
Listen to the Full Episode: In this episode, host Micah Shilanski and a special guest – JT Ferrin, delve into explaining the meaning of TSP
Listen to the Full Episode: Learn about your options for living abroad in retirement and find out everything you need to keep your benefits, covered
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
“I’m about 10 years out from retirement. I’m wanting to stop putting money into the traditional tsp and start a Roth. Is that doable?” –
Listen to the Full Episode: How do you know what to have in savings? Learn all about great tips on how to organize your savings
Listen to the Full Episode: How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency
Listen to the Full Episode: Learn what’s possible and what’s not when it comes to your TSP in retirement. Here are the 7 things you
Listen to the Full Episode: Retirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make
“I am turning 62 and I am drawing disability FERS. Can I draw social security and FERS together? And will my FERS change when I
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
“I retired from PHMSA/USDOT January 2021 and I just received my first W2 form from the Department of Interior and It says that I paid
Listen to the Full Episode: The importance of knowing the different streams of income and how to use them, covered by Victoria Kellerman. Enjoy the
Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and
Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the
Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,
Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much
Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that
Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance…
“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. https://youtu.be/ueICsrk2rtI Demystifying TSP Withdrawals
Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman.
Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –
Listen to the Full Episode: Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve
“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a
Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is
“My wife and I updated our wills two years ago, it states that all of our estate is to go to the survivor and if
Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things.
“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70.
Listen to the Full Episode: Christian Sakamoto joins the show again today to help answer some of the top questions we get from people who
“I retired as a FERS employee at age 56 with over 32 years of service. Upon retirement, I chose to withdraw $2000 per month from
Listen to the Full Episode: Have you noticed that the markets are down? Did you know there are some key opportunities to look into when
Listen to the Full Episode: Pros and cons to moving investments around. Enjoy the show? Use the Links Below to Subscribe:
Listen to the Full Episode: Many people want to move investments into or out of their TSP, and there are a lot of questions surrounding
“How to plan which source to withdraw from and when (TSP, Roth, other investments) over the retirement years to supplement pensions and SS. Are tax
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
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
“If I erroneously select an annuity from the TSP instead of a withdrawal from it, can I reverse that option? Thanks.” – Orlando. https://www.youtube.com/watch?v=8T69Yxmht-k Listen,
“I am a retired FERS federal employee (age 65). I just watched your episode about a “like kind direct transfer” of tsp funds to an
How to plan TOGETHER for a successful retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Now 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
Answering your questions about TSP, Roth conversions, and more. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Sometimes 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
What you need to be thinking about getting done in the new year. Listen to the Full Episode: Enjoy the show? Use the Links Below
It’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
“Hey! I love the podcast, and I’m hoping you might be able to tell me if my Lifecycle fund-based investment strategy overlooks any important factors.
In this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are
In 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
“I love your podcast and YouTube channel. Thanks. My question relates to Required Minimum Distributions. Looking far ahead I will turn 72 in June of
Today, 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
How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of
https://youtu.be/uFdTV3a4-XA “Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I
https://youtu.be/sTR9M-po3jghttps://vimeo.com/590901980 Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
Tips for figuring out the best plan for your retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Will a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP
At age 59 1/2, I would like to use a TSP one time withdrawal to pay off a mortgage then eventually transfer the balance to
Are you still allowed to contribute the maximum of $26,000 to the TSP even if you only work half of the year? Is there any
I am not sure this question is easy to answer but here goes. I retired in 2019 (LEO RET/Special Provisions) and immediately took a job
What you need to know about your TSP benefits so you can avoid risk and maximize your retirement funds. Listen to the Full Episode: Enjoy
You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement
How to protect and prepare your loved ones for unexpected life events. Listen to the Full Episode: Enjoy the show? Use the Links Below to
Hello Tammy and Micah, Great podcast! Learning a lot. About 5 years away for earliest retirement date. Question: let’s pretend money is NOT an issue
It’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with
“I am 59 and planning to retire a year from now. My wife will retire at the same time (but at age 61, not a
Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately,
When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to
What is the Voluntary Contribution Program? The Voluntary Contribution Program was developed for employees who are part of the Civil Service Retirement System (CSRS). It
Once your FERS Supplement ends, should you take Social Security benefits? This really comes down to a case by case basis. As you probably know
“Micah, love your videos. I’m retired (58 years old) from USPS. Very aggressive in TSP. 40% C, 40% S, and 20% I- I’m down close
“I retired on Dec 31 2019. Don’t you think I should pull all my money out of the TSP and put it in a high
“I am considering transferring/$10,000 from my TSP to my Roth account in Fidelity. Your presentation mentioned TSP to IRA to Roth. What’s the correct
Today Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about
Today Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of
“If I start contributing to Roth tsp this year. I am 56 that would mean I cannot take any contributions from the Roth’s for 5
We hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the
Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t
Answering Retirement Questions If you have questions about your retirement from Federal Service, we can help! Our FERS Federal Fact Check for Federal Employees who
When you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make
TSP Contribution. My spouse recently changed her TSP contribution because her friend told her to. She currently has: L2030 80%, C-Fund 10% and S-Fund 10%.
We have been receiving questions from Federal Employees across the United States this week, wondering if they should make changes in their TSP due to
“I have a tsp question for you concerning the new TSP withdraw options. I retired in 2015 from air traffic control at age 50. Will
“Thank you for the great videos, they are very informative. I do have a question for you. I am 59 years old and a retired
“If I choose to contribute to the ROTH Component of the TSP, how much can I contribute? Will ROTH TSP Contributions effect my Traditional TSP
We have had a tremendous amount of questions from Federal Employees about participating in ROTHs, whether it be in the TSP or the private sector
The Thrift Savings Plan (TSP) was created under the Federal Employee’s Retirement System Act of 1986 for federal employees and members of the uniformed services.
HSA Plan Basics Health Savings Plans (HSA) are a powerful savings tool that could work in conjunction with your health plan if you participate in
“Is there a 10% penalty for signing up for $1,250 monthly straight withdrawal (not an annuity) from the TSP if I retire at my MRA
Traditional vs Roth TSP Understanding the difference between contributions to the Traditional vs Roth TSP is critical to long term financial planning. Before we dive
Without a doubt since its inception in 1997, the ROTH retirement account has gained tremendous popularity. Named after the Delaware Senator, William Roth, under
One of the great questions that we get from people over age 50 is whether or not it is too late to really take advantage
One of the questions that Federal Employees frequently ask us is how they can convert some of their Thrift Savings Plan (TSP) dollars into the
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided us
As a Federal Employee, how will the passing of the Tax Cuts and Job Act impact you? This is a great time of year in
The Best Kept Secret in CSRS eBook Only $7.97 Available for Instant Download CSRS and CSRS Offset Federal Employees have a unique benefit called the
CSRS Voluntary Contributions Transfer to a Roth IRA While the CSRS VCP program was originally designed to allow CSRS to put more money in and
Micah Shilanski, CFP® Micah Shilanski is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement
When you are ready to retire, you have several TSP retirement choices. You can… Leave your money in the TSP Take monthly TSP withdrawals Annuitize
Your Retirement Savings: Questions about Your ‘Cash Bucket’ A portion of your retirement savings needs to be in a ‘Cash Bucket’. A well-funded Cash Bucket
*The Best Kept Secret in CSRS* The CSRS Voluntary Contributions Program (VCP) is a special component of the Civil Service Retirement System. eBook Only $7.97
Some federal retirement benefits give Federal Employees a head start on retiring earlier than most. As a Federal Employee, you know that you have one
Learn about ‘Buckets of Money’ When you’re investing for retirement, it’s easy to get caught up in all of the details. Most federal employees
How Much Money Should be in Your ‘Cash Bucket’? Thinking about your retirement savings and investing for retirement? You should consider putting some of your
The amount of retirement savings you need in your ‘Cash Bucket’ will change as your fixed income changes in retirement. If you’re not familiar with
TSP – “I can take my money out, however I want to in retirement!” Hi, I’m Micah Shilanski from Plan Your Federal Retirement. Welcome to
Listen to the Full Episode: Are you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your
Listen to the Full Episode: Have you considered what happens to your assets and who will take care of your financial matters when you’re gone?
I am eligible to retire from fed service at 57 1/2. I will have 36 years of service. I plan on using my TSP to
Listen to the Full Episode: Are you seeking clarity on TSP strategies? Join us on our latest podcast episode, where Christian and JT decode the
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
Listen to the Full Episode: Are you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle
Listen to the Full Episode: Are you ready to embark on a journey towards a secureretirement? Join Micah and Tammy, as they analyze advanced retirement
Listen to the Full Episode: Are you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on
Listen to the Full Episode: Are you ready to retire without looking back? Let’s discuss essential strategies for retirees to help ensure they can enjoy
Listen to the Full Episode: What are the essential steps to a successful federal retirement? Join, Micah and Tammy, in today’s episode as they go
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
Listen to the Full Episode: As the holiday season ends, it is important to take action about our retirement plans and talk about the changes
I absolutely loved the episode on what you cannot do in the TSP. Naturally, it brought up other questions in my mind. Before I got
“should I delay my social security and let my wife draw it until my FRA? I planned on drawing at 62 anyways. I am retired navy and
Listen to the Full Episode: Learn to make informed retirement decisions and secure your financial future with valuable information in regard to your TSP, covered
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,
“Love your podcast! I am a Federal retiree and fine with Thrift Savings Plan (TSP) and Federal Employees Group Life Insurance (FEGLI) standard order of
Listen to the Full Episode: Learn why the TSP is such a phenomenal tool for your retirement and find out what you should know about
Listen to the Full Episode: In this episode, host Micah Shilanski and a special guest – JT Ferrin, delve into explaining the meaning of TSP
Listen to the Full Episode: Learn about your options for living abroad in retirement and find out everything you need to keep your benefits, covered
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
“I’m about 10 years out from retirement. I’m wanting to stop putting money into the traditional tsp and start a Roth. Is that doable?” –
Listen to the Full Episode: How do you know what to have in savings? Learn all about great tips on how to organize your savings
Listen to the Full Episode: How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency
Listen to the Full Episode: Learn what’s possible and what’s not when it comes to your TSP in retirement. Here are the 7 things you
Listen to the Full Episode: Retirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make
“I am turning 62 and I am drawing disability FERS. Can I draw social security and FERS together? And will my FERS change when I
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
“I retired from PHMSA/USDOT January 2021 and I just received my first W2 form from the Department of Interior and It says that I paid
Listen to the Full Episode: The importance of knowing the different streams of income and how to use them, covered by Victoria Kellerman. Enjoy the
Listen to the Full Episode: Cashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and
Listen to the Full Episode: The importance of making a financial plan for a great retirement, covered by Victoria Kellerman. Enjoy the show? Use the
Listen to the Full Episode: Setting goals and mapping a strategy – these are the ground rules for taking the action in your hands! No,
Listen to the Full Episode: One of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much
Listen to the Full Episode: What if you erroneously select an annuity from the TSP instead of a withdrawal from it, can you reverse that
Listen to the Full Episode: Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance…
“Hello, I have 31k in my TSP. Is it possible to withdraw the total amount at one time? ” – Bill. https://youtu.be/ueICsrk2rtI Demystifying TSP Withdrawals
Listen to the Full Episode: Changes the Secure 2.0 brings and what do they mean for the retirees and federal employees, covered by Victoria Kellerman.
Listen to the Full Episode: Changes are happening, and questions have been raised! That is why we have a special guest in today’s episode –
Listen to the Full Episode: Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve
“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a
Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is
“My wife and I updated our wills two years ago, it states that all of our estate is to go to the survivor and if
Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things.
“I’m just about 65 and make about 125K a year working for the federal government. I plan to retire in five years when I’m 70.
Listen to the Full Episode: Christian Sakamoto joins the show again today to help answer some of the top questions we get from people who
“I retired as a FERS employee at age 56 with over 32 years of service. Upon retirement, I chose to withdraw $2000 per month from
Listen to the Full Episode: Have you noticed that the markets are down? Did you know there are some key opportunities to look into when
Listen to the Full Episode: Pros and cons to moving investments around. Enjoy the show? Use the Links Below to Subscribe:
Listen to the Full Episode: Many people want to move investments into or out of their TSP, and there are a lot of questions surrounding
“How to plan which source to withdraw from and when (TSP, Roth, other investments) over the retirement years to supplement pensions and SS. Are tax
“I watched the very helpful video on ROTH IRA conversions. I will be retiring by the end of 2022 and I do not have any
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
“If I erroneously select an annuity from the TSP instead of a withdrawal from it, can I reverse that option? Thanks.” – Orlando. https://www.youtube.com/watch?v=8T69Yxmht-k Listen,
“I am a retired FERS federal employee (age 65). I just watched your episode about a “like kind direct transfer” of tsp funds to an
How to plan TOGETHER for a successful retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Now 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
Answering your questions about TSP, Roth conversions, and more. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Sometimes 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
What you need to be thinking about getting done in the new year. Listen to the Full Episode: Enjoy the show? Use the Links Below
It’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
“Hey! I love the podcast, and I’m hoping you might be able to tell me if my Lifecycle fund-based investment strategy overlooks any important factors.
In this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are
In 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
“I love your podcast and YouTube channel. Thanks. My question relates to Required Minimum Distributions. Looking far ahead I will turn 72 in June of
Today, 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
How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of
https://youtu.be/uFdTV3a4-XA “Hi, I have a question regarding Roth TSP which I have not gotten a clear answer on. I will be 54 this year. I
https://youtu.be/sTR9M-po3jghttps://vimeo.com/590901980 Hello, first off, I wanted to say I really enjoy your podcasts. I have really learned a lot from you both over the past
“I stumbled on your podcast and the information is GOLD – thank you! I am 45 and 15 years away from retirement. This year I
Tips for figuring out the best plan for your retirement. Listen to the Full Episode: Enjoy the show? Use the Links Below to Subscribe:
Will a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP
At age 59 1/2, I would like to use a TSP one time withdrawal to pay off a mortgage then eventually transfer the balance to
Are you still allowed to contribute the maximum of $26,000 to the TSP even if you only work half of the year? Is there any
I am not sure this question is easy to answer but here goes. I retired in 2019 (LEO RET/Special Provisions) and immediately took a job
What you need to know about your TSP benefits so you can avoid risk and maximize your retirement funds. Listen to the Full Episode: Enjoy
You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement
How to protect and prepare your loved ones for unexpected life events. Listen to the Full Episode: Enjoy the show? Use the Links Below to
Hello Tammy and Micah, Great podcast! Learning a lot. About 5 years away for earliest retirement date. Question: let’s pretend money is NOT an issue
It’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with
“I am 59 and planning to retire a year from now. My wife will retire at the same time (but at age 61, not a
Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately,
When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to
What is the Voluntary Contribution Program? The Voluntary Contribution Program was developed for employees who are part of the Civil Service Retirement System (CSRS). It
Once your FERS Supplement ends, should you take Social Security benefits? This really comes down to a case by case basis. As you probably know
“Micah, love your videos. I’m retired (58 years old) from USPS. Very aggressive in TSP. 40% C, 40% S, and 20% I- I’m down close
“I retired on Dec 31 2019. Don’t you think I should pull all my money out of the TSP and put it in a high
“I am considering transferring/$10,000 from my TSP to my Roth account in Fidelity. Your presentation mentioned TSP to IRA to Roth. What’s the correct
Today Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about
Today Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of
“If I start contributing to Roth tsp this year. I am 56 that would mean I cannot take any contributions from the Roth’s for 5
We hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the
Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t
Answering Retirement Questions If you have questions about your retirement from Federal Service, we can help! Our FERS Federal Fact Check for Federal Employees who
When you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make
TSP Contribution. My spouse recently changed her TSP contribution because her friend told her to. She currently has: L2030 80%, C-Fund 10% and S-Fund 10%.
We have been receiving questions from Federal Employees across the United States this week, wondering if they should make changes in their TSP due to
“I have a tsp question for you concerning the new TSP withdraw options. I retired in 2015 from air traffic control at age 50. Will
“Thank you for the great videos, they are very informative. I do have a question for you. I am 59 years old and a retired
“If I choose to contribute to the ROTH Component of the TSP, how much can I contribute? Will ROTH TSP Contributions effect my Traditional TSP
We have had a tremendous amount of questions from Federal Employees about participating in ROTHs, whether it be in the TSP or the private sector
The Thrift Savings Plan (TSP) was created under the Federal Employee’s Retirement System Act of 1986 for federal employees and members of the uniformed services.
HSA Plan Basics Health Savings Plans (HSA) are a powerful savings tool that could work in conjunction with your health plan if you participate in
“Is there a 10% penalty for signing up for $1,250 monthly straight withdrawal (not an annuity) from the TSP if I retire at my MRA
Traditional vs Roth TSP Understanding the difference between contributions to the Traditional vs Roth TSP is critical to long term financial planning. Before we dive
Without a doubt since its inception in 1997, the ROTH retirement account has gained tremendous popularity. Named after the Delaware Senator, William Roth, under
One of the great questions that we get from people over age 50 is whether or not it is too late to really take advantage
One of the questions that Federal Employees frequently ask us is how they can convert some of their Thrift Savings Plan (TSP) dollars into the
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided
FERS Federal Fact Check! We love answering questions from Federal Employees about their benefits. Our passion for financial planning with Federal Employees has provided us
As a Federal Employee, how will the passing of the Tax Cuts and Job Act impact you? This is a great time of year in
The Best Kept Secret in CSRS eBook Only $7.97 Available for Instant Download CSRS and CSRS Offset Federal Employees have a unique benefit called the
CSRS Voluntary Contributions Transfer to a Roth IRA While the CSRS VCP program was originally designed to allow CSRS to put more money in and
Micah Shilanski, CFP® Micah Shilanski is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping federal employees get the most out of their federal retirement
When you are ready to retire, you have several TSP retirement choices. You can… Leave your money in the TSP Take monthly TSP withdrawals Annuitize
Your Retirement Savings: Questions about Your ‘Cash Bucket’ A portion of your retirement savings needs to be in a ‘Cash Bucket’. A well-funded Cash Bucket
*The Best Kept Secret in CSRS* The CSRS Voluntary Contributions Program (VCP) is a special component of the Civil Service Retirement System. eBook Only $7.97
Some federal retirement benefits give Federal Employees a head start on retiring earlier than most. As a Federal Employee, you know that you have one
Learn about ‘Buckets of Money’ When you’re investing for retirement, it’s easy to get caught up in all of the details. Most federal employees
How Much Money Should be in Your ‘Cash Bucket’? Thinking about your retirement savings and investing for retirement? You should consider putting some of your
The amount of retirement savings you need in your ‘Cash Bucket’ will change as your fixed income changes in retirement. If you’re not familiar with
TSP – “I can take my money out, however I want to in retirement!” Hi, I’m Micah Shilanski from Plan Your Federal Retirement. Welcome to