#127 Avoiding Tax Traps: What Every Federal Employee Should Know
Listen to the Full Episode: Think you know how your FERS pension, Social Security, or military retirement will be taxed? Think again. In this episode, Micah and Floyd break down the tax pitfalls federal employees often overlook—like unexpected withholding issues, taxable income from multiple sources, and the impact of rental property depreciation. They share real […]
#126 Choosing Your Perfect Retirement Date: The Ultimate Checklist
Listen to the Full Episode: What does retirement really look like beyond the financials? In this podcast episode, Micah and Floyd discuss what life is like after retirement, focusing on more than just finances. They cover essential topics such as planning your daily routine, staying active, considering relocation, and having conversations with your spouse. The […]
#125 Tax Time Survival: How Federal Employees Can Get Ahead
Listen to the Full Episode: Tax season can be overwhelming, but federal employees can stay ahead with the right strategies. In this podcast episode, Micah and Christian break down essential tax planning techniques, including the importance of estimated tax payments, understanding tax brackets, and how to avoid common pitfalls. Discover how proactive tax planning can […]
#124 TSP Benefits: What You Need to Know Before Retiring
Listen to the Full Episode: It’s crucial to evaluate your TSP decisions as you approach retirement. Understanding the various benefits associated with your TSP can significantly impact your financial future. In this podcast episode, Micah and Tammy delve into important topics regarding TSP withdrawals, available distribution options, and the associated tax implications. They provide insights […]
#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 […]
#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, […]
#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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Fork in the Road: Frequently Asked Questions
What should Federal Employees facing the Fork in the Road do? As a Federal Employee Benefits expert, my primary advice—though not intended to be self-serving—is to consult your financial advisor. Someone who specializes in your benefits as a federal employee. Do not face these decisions alone; ensure you have a financial sounding board to thoroughly […]
Fork in the Road: A Comprehensive Guide to Deferred Resignation for Federal Employees
https://youtu.be/EQqQhWMzTKs Federal Employees need to know what to anticipate if they choose to accept the Deferred Resignation package issued January 2025 to civilian federal employees. President Trump has issued executive orders requiring Federal Employees working remotely since the COVID outbreak in 2020 to return to their physical offices five days a week. Everyone anticipated that […]
#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 […]