How Should I Allocate My TSP For Retirement Security?
Real Question from a Federal Employee As I approach retirement, what are the safest and best TSP investment and allocation strategies, any suggestions? – Andrew https://youtu.be/L3ZI3aqat2k When it comes to retirement planning, one of the biggest questions federal employees face is: How should I allocate my Thrift Savings Plan (TSP) to make sure I don’t […]
#138 Money Can Hurt, Especially Kids With Money….
Listen to the Full Episode: When it comes to money, the emotional impact is often overlooked, but it can ‘make or break’ a family’s financial future. In this episode, Micah and John discuss how inheritances, sudden windfalls, and poorly managed gifts can end up causing more harm than good, especially for children who aren’t financially […]
Is There a Limit on the Annual Leave Payout at Retirement?
Real Question from a Federal Employee What is the maximum amount of unused annual leave that I may be paid for when I retire? – Wayne https://youtu.be/G94W56yYayk As retirement gets closer, many federal employees start to wonder about their unused leave. One of the most common questions we hear is: “Is there a limit on how […]
#137 Medicare & FEHB: Your Blueprint for Retirement Healthcare Success
Listen to the Full Episode: Healthcare is one of the most important, and often most confusing, parts of retirement. For federal employees, the combination of Medicare and FEHB (Federal Employees Health Benefits) adds unique rules, costs, and opportunities. In this episode of Plan Your Federal Retirement, Micah and John break down the myths, penalties, and […]
Buy Back Military Time and Keep Retirement Pay, Is It Possible?
Real Question from a Federal Employee Hey, I am retired Air Force 22 years a combat injury related 100 % disabled veteran. I am working civil ServiceNow. I am going to retire after 15 years of civil service. Just found out about the military buyback. But I understand if I buy my military time back […]
#136 Maximizing Your Social Security: The Insider’s Guide
Listen to the Full Episode: Social Security is one of the most misunderstood parts of retirement planning. For federal employees and their families, it’s not about whether to take it early or late; it’s about how to coordinate Social Security with your pension, TSP, survivor benefits, and taxes. In this episode, Micah and advisor John […]
What Medicare Part B Covers That FEHB Doesn’t
Real Question from a Federal Employee Do I need Medicare Part B if I have FEHB? I find it hard to believe Medicare Part B covers something that my FEHB does not so please provide some specific examples of the “gaps” and “Medical Surprises” where my FEHB does not cover something and it is covered […]
#135 Your Last Year Before Retirement: The Ultimate Prep Guide
Listen to the Full Episode: Are you a year away from retirement? The final 12 months before you retire from federal service are some of the most exciting — and most critical — months of your career. This is when decisions get real, timelines matter, and small mistakes can cost you big in the long […]
Timing is Everything: When to Claim Social Security as a Federal Employee
Real Question from a Federal Employee What age can I start collecting Social Security retirement benefits? What is my full retirement age, and how does it change if I delay or file early? – Jerry https://youtu.be/6Pc7uC4uYXs For federal employees under the Federal Employees Retirement System (FERS), deciding when to claim Social Security benefits is an important […]
#134 Retirement Readiness: The Secrets to Knowing You’re Truly Ready
Listen to the Full Episode: What does real retirement readiness look like? In this episode, Micah is joined by his father and mentor, Floyd, to reveal the most overlooked aspects of retirement planning that can cause major regrets later. Drawing from years of experience, they share essential insights on mental readiness, investment strategies, the Retirement […]
Approaching Retirement: How to Check If You’re Prepared
Real Question from a Federal Employee Hello, I have a question. I’m a few years out from retiremen, how can I be sure I’m financially ready to stop working when the time comes? What to consider? Thank you. – Gerald https://youtu.be/mx31kx4QZmc Federal employees working under the Federal Employees Retirement System (FERS) need to understand how […]
Changes in the Retirement Process
Listen to the Full Episode: Facing the New Challenges of Federal Retirement: What 2025 Means for You Federal retirement in 2025 requires thoughtful consideration of not only financial numbers but also personal readiness and changing workplace conditions. Recent shifts in policy and evolving job satisfaction levels mean that each federal employee’s retirement journey is unique […]